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Many people struggle with debt today. Unemployment remains high, the job market fails to create enough jobs, and the cost of living outpaces most incomes It would be great if everyone could solve their debt problems on their own. Well-known and unknown...

This reader story comes from long-time reader and commenter Bill McFadin, aka Cybergeezer, who commented that he had submitted a story months ago that never ran. We asked if he would resubmit the article, which he kindly did — and then he submitted another...