Date: Wed, 8 Mar 2006 17:26:24 -0600
From: "joe.spam.weinstein@gmail.com" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Which is better- Credit Counseling or Debt Settlement for $34,000 U.S. of Credit Card Debt?
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So you're paying back about 30% of the debt per year. It seems
you have the problem well enough in hand. What is the average
interest rate this debt is at? There will be no other option except
long term pain of one sort or another. The payments you're making
will not last too long, and in the intervening years the lifestyle you
develop to keep your expenses down will be to your long term gain.
If you can do something yourself to minimize the interest charges
that would be good, but if you do anything that hurts your credit
rating
you may regret it for a longer time.