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I only had about a year of history at the time.
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There have been many problems with collection agencies implementing Rehab though, and some of them have even lost their contracts with the Dept.
The benefits of payday loans far outweigh any disadvantages which you might believe them to have, and these are the reasons why many people turn to them in times of trouble.
This could cause the total interest that you pay over the life of the consolidation loan to be greater than the interest would have been on the individual debts, even though the monthly payment is lower.