It seems to me you can just max out on all your credit cards, loans etc and then get one of these and write off up to 80% of your debt. And on top of that your house is safe from your creditors, you're not counted as a bankrupt and after 6 years it's all forgotten about. This just appears too unbelievably generous to me and I guess I must be missing something. At the moment I'm making payments that are not unmanagable but at the same time they are irritating and I'm now seriously think about having a blowout and then getting one of these instead
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