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DEBT CONSOLIDATOR
In reality, many debt consolidators build in a fee
as part of the monthly payment you make to them. It's usually
about 10% of the payment (i.e. about $40 on a $400 monthly payment).
They pass along your payments to the creditor -- some debit directly
from your checking account -- and get back a 10% to 15% slice
that the relieved creditor is only too happy to rebate to the
consolidator.
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