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http://www.afarber.com/consumer-proposal Help my money headaches and Avoid yuky the bankruptcy
A consumer proposal is a formal contract between you and your creditors in which you make an offer to settle your debts for an amount which is less than the total amount owing. This can result in as much as a 70 % reduction in the quantity you owe. More significantly if allows you to keep your properties, your car and your house.
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