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hi welcome to the law offices of brown and Celie im sue ceiling today were going to talk about a very popular subject that comes up in our office with all of our clients almost every day and that has to do with a couple of questions and things that have happened first were going to talk about credit and debt settlement / resolution companies are you thinking about using one of these services well before you do ask yourself this question who are these people working for are they working for you or are they working for the credit card company Ill tell you who theyre working for youre working for the credit card company theyre working for the bank that referred you there theyre working for the credit union that referred you there let me tell you whats going to happen everyday people come into the office theyve been with these credit companies theyve been with these debt resolution companies theyve been with these debt settlement companies and you know what theres always one c