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Cool Debt Settlement will tell you Why 75% of all debt management, debt consolidation and credit counseling cases end up in bankruptcy anyway. And what you can do to reverse this trend.

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Debt Relief - Download this small application. Easy access to services to reduce debt through debt settlement and debt negotiation--a better alternative to bankruptcy and credit counseling services. Easy to install and use.

Debt Reduction - Download this small application. Easy access to services to reduce debt through debt settlement and debt negotiation--a better alternative to bankruptcy and credit counseling services. Easy to install and use.

Debt settlement is not for those who have the luxuries of choosing from various debt programs. It is for those with dire hardship who would rather not file bankruptcy.