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superkiwi79

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should i go with using legalzoom help with my debt? Or do it myself for free

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Do it yourself.

You may want to search for Dave Ramsey's site to learn some effective ways of getting debts repaid without too much stress, because he does have some good information.  Doing the repayments and getting things cleared yourself would be a good learning experience and, besides, only YOU can really take care of your own debts.  You got yourself into a 'situation' and you can get yourself out of it.

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