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Only when you apply for new credit or loans does a “hard inquiry” count against you. I’ll be back….as a single mom working contract gigs, money is ALWAYS an issue. Since I went on a debt management plan, my interest rates were lowered and I make one payment each month. Which is how I discovered that I don’t do you owe 30,000 debt like Dave Ramsey and I do like David Bach.

Even if you don’t need long-term individual coaching, a webinar or a single counseling session with a money therapist could be a huge help so that you don’t continue down the same paths of destructive behavior. Further, hiring a lawyer will put a buffer between you, your creditors, and the bankruptcy trustee.

If you aren’t using it and you won’t miss it, why are you hanging on to it. If you’ve gotten into a financial mess, you need help.

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