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[Nemerov]

Hi
The term "debt consolidation" is being used and abused by many banks and mortgage brokers in order to sell you a high interest 2nd mortgage or to refinance your home. Remember, going further into debt does not get you out of debt. A loan is probably not the best solution to your debt problem.
Late and over limit fees are very often eliminated by making regular monthly payments on time.
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G'night