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to be fair there is a real issue under the headline, crappy businesses conning people into debt salvation. its a shame it starts about the person and their lifestyle choices rather than that issue.

understanding the principle you don't have enough money to pay for things, so stop spending, is not something that needs deep education. by maintaining this isnt the person's responsibility you enable their behaviour and perpetuate poor decisions. seeing an ad for writing off 85%... come on...

how about having some personal responsibility, instead of crying about being manipulated by an ads to have a stupid vacuous procedure.