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Don't forget that the government will consider your discount to be income.. After the card company bloats the debt all to hell and then settles for "pennies on the dollar" you might just owe some money to uncle fuckko..
And from what I've heard the god damned irs charges 10% for "offers" these days.. supposedly if you offer the assholes $10,000 you put down $1000 as a deposit. If they decline the offer, they keep the $1000.
Not sure if it is true but I do know that the first part is fact.
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