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Look into any customer reviews on the carpet cleaning service you are considering.

Some carpet companies might surprise you regarding their level of service.
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Use bankruptcy as a negotiation tool. Creditors would rather get some of their money back than get nothing at all.
Let them know that if your debt cannot be reduced, you will probably be forced to file bankruptcy.
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If you are in a bind and quickly need to pay down your debt, look at your 401k plan to help with debt consolidation. That gives you the option of borrowing money from your retirement fund instead of from a bank.

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