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Credit Card Debt Settlements - A Legal Way to Never Pay Back Credit Card Debt

The two potential options for clearing your debt and bringing stability to your financial life are bankruptcy and debt settlement. Both these methods have a major impact on the credit rating, with bankruptcy staying on your report for at least 10 years and settlement for 7 years. However, desperate times call for desperate measures. It all depends on how desperate are you? The pros and cons of both the methods should be explored before you decide on which one would suit your financial condition the best.

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