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This is all happening between three and 12 months after you stopped paying on your debt. So record the conversations and try to get them angry. They use fake names like “Dick Brockman” and they say things like “In five days we have to go to court and seize all of your assets.” Again, in some states this is illegal to say. One thing you always have the right to do: Say, “Show me the proof I owe this money.” Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is?

Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation.

The truth is, we have great single men and women in all sorts of places.

So unless you are living on a mountain fire lookout tower somewhere, you'll probably find some great people nearby that you can try to seduce into a coffee date. When it comes to your personal life, some things are best not immediately shared with friends and family.

My mom would scream at my dad, “I told you not to give him money!

I was a little kid but I felt scared and didn’t know why. My dad was too trusting and too sad and died from the cocktail of both.

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These are not quick fixes, but rather long-term financial strategies to help you get out of debt.

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Other people’s canned lines or to items that donated the trust, which result in large.