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Debt

1. Spencer Hayes
UK Licensed Debt Counsellors offering free initial consultation.
http://www.toomuchdebt.co.uk/page/home.html

2. US Financial Management Inc.
Debt negotiation is an alternative to debt consolidation or bankruptcy. Debt negotiation programs help people lower their total debt by negotiating directly with their creditors.
http://www.usfmgroup.com/

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