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Now, Heather I hear ads all the time for companies that say hey, we can settle your
debt for 30 cents on the dollar, so my question to you is if I'm somebody who's got a bunch of
debt, why would I go to you and pay a 100 cents on the dollar when I can go to one of these
debt consultants or
debt settlement companies and only pay 30 cents on the dollar?
So,
now they're going to morph into
debt consultants.