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Once their fee is accounted for, they promise to negotiate with your creditors and settle your debts. Well, the debt settlement companies usually don’t deliver on helping you with your debt after they take your money.

They’ll leave you on the hook for late fees and additional interest payments on debt they promised to help you pay!

Their behavior hasn’t changed, so it’s extremely likely they will go right back into debt. The debt includes a two-year loan for ,000 at 12%, and a four-year loan for ,000 at 10%.

Your monthly payment on the first loan is 7, and the payment on the second is 3. You consult a company that promises to lower your payment to 0 per month and your interest rate to 9% by negotiating with your creditors and rolling the two loans together into one. Who wouldn’t want to pay 0 less per month in payments?

For example, you might have bought a house using a mortgage with a cracking low rate or have a balance sitting on a 0% purchase credit card.Dave says, "Personal finance is 80% behavior and only 20% head knowledge." Even though your choices landed you in a pile of debt, you have the power to work your way out! The solution isn’t a quick fix, and it won’t come in the form of a better interest rate, another loan, or debt settlement. The solution requires you to roll up your sleeves, make a plan for your money, and take action! You’re in deep with credit cards, student loan debt and car loans.Minimum monthly payments aren’t doing the trick to help nix your debt.

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Hackers threaten to post incriminating evidence to Facebook or Linked In unless a ransom of around £100 (5) is paid.'Unfortunately there are some people just doing it for the fun of it, having power over others,' Mr Wueest said.'If they have someone who really freaked out or cried in front of the machine, they boast about that.'It's one of the ugliest types of cyber bullying we've seen.' The forum's are a dark place - sympathy for the people being exposed doesn't go down well with the other 'rats'.

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Jeffress tweeted on Wednesday: 'President @real Donald Trump has demonstrated true leadership today by recognizing Jerusalem as the legitimate capital of Israel.''Jerusalem is and should be recognized as the capital of Israel.

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