Debt problems range from small credit card balances to bankruptcy. Whatever type of debt issues you face, you don't have to accept them forever. It's important to review your individual situation and negotiate reasonable terms to pay off your debt in writing to avoid misunderstandings. Younger people with less severe debt may be able to eliminate it within 6-7 years, while older individuals may consider negotiating terms or bankruptcy. Don't agree to terms with loopholes that could hurt your credit later.

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You don’t want a new loophole as being a collectable debts forgiveness, or perhaps a few fine print
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