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Go to the Federal Trade Commission's Web Site (www.ftc.gov)and look around the consumer section and you will find the answer your looking. That is what I do, I am a Financial planner etc and the ftc rights the laws for all of us. They will point you in the right direction free of charge on there part.

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Q: Where would you find a person who would review your financial situation and make concrete recommendations to help you get out of debt?
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