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Should You Hire a Lawyer or Debt Collector to Get What You’re Owed?

How do you know when to call in a debt collector? If you do call one, how do you make sure they’re scrupulous and legitimate?

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Credit Score Impact of Settling Past-Due Accounts

I’m 26 years old. I currently have a 583 credit score due to late and no payments — the result of a layoff.

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