My name is Dave, Im one of the writers from Debt relief blog.

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Now I use the word scam which can take on a few meanings, while yes there are some companies out there that are flat out scams and have no intent on doing any work for you at all, most of the times that is not the case.
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It does not mean that other members of the society cannot qualify for funding, but these disadvantaged groups are given priority.
So for example you may owe one particular creditor $10,000 so the goal of the negotiator would be to have you end up paying back say $6,000.
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