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Are your monthly bills larger than what you can pay?

 Do you have difficulty paying your bills on time?

 Are you having trouble keeping up with multiple payment dates?

 Are you using cash advances or borrowing money to repay another debt?

 Do you regularly get calls from bill collectors?

 Can you only pay the minimum amount on several credit cards?

 Are debts keeping you from buying a house, car or saving for your retirement?

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