Attorney answers (2)
I would not trust these. I would speak to Jonathan Stein in Elk Grove.
My standard disclaimer: I am not offering legal advice, assume I do not know the law in your state and that I am just making suggestions for starting points for when you do speak with an attorney. Do NOT rely on anything I write and contact a lawyer in your area immediately after reading my posting.
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Some are, some aren't. Go to http://www.cccservices.com/ - it's a non-profit national consumer counseling center which offers free or low-fee credit/debt counseling.
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