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Does this work, one lump payment?

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I live in michigan. I am having trouble with my bills. I am behind in most of them including the house.

I saw on the internet a company that will call your creditors (unsecured only) and settle your debt for a one time payment. Sounds good except for the big payoff. They say they can cut the amount due in half.

Is this worth doing before filing chapter 7? Or is it a waste of money.

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