| http://www.w3.org/ns/prov#value | - But neither a credit counselor or a debt settlement company can legally advise the consumer about bankruptcy without running into UPL. I think that???s a point Fitz made in his article.Ultimately, in my opinion, the best solution is for a consumer to speak to a licensed bankruptcy attorney in their state, a debt settlement company, and a credit counselor so they can then make a fully informed deci
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