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These scam agencies charge thousands of dollars - up to 40% of your outstanding debt - for either doing nothing or doing something you can do yourself, but can't readily find out about. This can net them tens of millions of dollars, extracted from desperate debtors:

https://www.ftc.gov/system/files/ftc_gov/pdf/panda_prosperity_complaint.pdf

There's about to be a hell of lot more of those desperate debtors kicking around.

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