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These companies used phrases like ‘Government debt consolidation’ or ‘Government debt advice’ to fool people into using their services.

In reality these companies charged a fee to provide debt management services that are available free from charities like us.

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In Alberta, Money Mentors, a non-profit credit counselling service, administers the program.

Hopefully this means you won’t see any more fee-charging companies advertising debt consolidation in this way.

If you have problems with your debt, you should get free, impartial debt advice from a a well-established debt charity like us.

Your financial institution will be able to tell you which of your debts you will be able to pay off with the loan that they grant you.

Within the past few years, student loan debt replaced credit cards as the second largest source of debt for most Americans.




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Women not only spent less time looking at a man’s face (when compared with men looking at women); they also moved more quickly onto his other body parts. “So take in her breasts or legs, but don’t dwell on them.” And make the most of your assets, too.


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Japan and the United States have different views of dating and marriage. Marriage has a long history in Japan, a history that is based on gender roles influenced heavily by Confucian views. If you want to learn more about gender role expectations in Japan, gender roles of women, and how China’s Confucius has even influenced anime, follow these links. The rules of dating, courtship, vary across cultures. There are a few key ideas that are identical to dating in Japan and in the United States.


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The chart-topper, 27, has repeatedly shown a passion for all things British.