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You must have heard and or seen on the TV various advertisement for Credit Card Debt Reduction schemes. Various companies make offers to decrease credit

You must have heard and or seen on the TV various advertisement for "Credit Card Debt Reduction" schemes. Various companies make offers to decrease credit card debt by 40 to 50%.

What do you think of such schemes? Do they work? If yes, how? Post your views. Do not copy others. Do not hand-writing.

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