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As the real estate market began to slide three years ago, memek my wife and i began to sense that we were losing our options. As people lose the value they always believed they been in their homes, their options in the incredible to qualify for loans begin to freeze up properly. The worst part for us was, we were in the real estate business, and we got our incomes begin to seriously drop. We never imagined we'd have collection agencies calling, but call, they did.

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