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LATEST RESOURCE: Dave Ramsey’s Investing Philosophy
1. Debt settlement may not be right for you
Debt settlement is a niche solution that’s right only for a small segment of the population, says Charles Phelan, founder of ZipDebt.com, who coaches consumers on do-it-yourself debt settlement. But don’t expect to hear that from a debt-settlement company. “People working the desks at the debt-settlement companies [...]