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You can find information about budgeting and money management online, at your public library, and in bookstores. Check out this worksheet for creating and tweaking your budget. Do it before a debt collector gets involved. Not everyone who calls saying that you owe a debt is a real debt collector. Some are scammers who are just trying to take your money. The collector has to tell you. You also can annual credit score report a collector to stop contacting you, at any time, by sending a letter by mail asking for contact to stop.

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