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Don’t overspend this holiday season.


Don’t incur debt to purchase items you cannot afford to pay in cash at the moment. Use a credit card and pay off the balance at the end of the month to avoid being charged interest. Try to keep your expenses reasonable and necessary. It is easier to control your expenses than income. 


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Know your rights regarding medical debts

Many people incorrectly assume medical debt is not dischargeable in bankruptcy. Medical debt is considered unsecured debt and it is dischargeable. Therefore if you have astronomical medical debts, cal