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I am trying to reduce my debt and here is the following scenarios. Please inform me or direct me to the best avenue.

Approximately $35,000 in debt.(combination of student loans, credit card, and car note)


1) use consumer credit counseling or any other debt managment program

2) use MS Money 2001 Deluxe, which I currently own, to do it myself.

3) declare bankruptcy and wait 10 years

4) use a law firm... (credit repair)
http://creditrights.safeserver.com/ac/home.html?id=ycm

5) Invest in the market and hope to get a huge return and use that ot offset the payments.


Note: I am also looking to buy a home within the next year, so anything that will help me get good credit rating before the home purchase.


thanks. Alot
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