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10275\u0275elementStart(34,"nav",22),a.\u0275\u0275elementStart(35,"h2"),a.\u0275\u0275text(36,"Table of Contents"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(37,"ol"),a.\u0275\u0275elementStart(38,"li"),a.\u0275\u0275elementStart(39,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S2")})("keydown.enter",function(){return t.scrollTo("S2")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S2")}),a.\u0275\u0275text(40,"The Facts on Debt Settlement"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(41,"li"),a.\u0275\u0275elementStart(42,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S3")})("keydown.enter",function(){return t.scrollTo("S3")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S3")}),a.\u0275\u0275text(43,"Debt Settlement Pitfalls"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(44,"li"),a.\u0275\u0275elementStart(45,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S4")})("keydown.enter",function(){return t.scrollTo("S4")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S4")}),a.\u0275\u0275text(46,"How to Protect Yourself"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(47,"li"),a.\u0275\u0275elementStart(48,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S5")})("keydown.enter",function(){return t.scrollTo("S5")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S5")}),a.\u0275\u0275text(49,"What to Do Instead"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(50,"li"),a.\u0275\u0275elementStart(51,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S6")})("keydown.enter",function(){return t.scrollTo("S6")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S6")}),a.\u0275\u0275text(52,"FAQs"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(53,"p"),a.\u0275\u0275text(54," As BILLSHARK has pointed out many times, when times get tough for ordinary Americans is just when you can count on shady characters to prey on people\u2019s misfortune. The debt settlement industry is no exception. Given the dire economic consequences of the out-of-control coronavirus pandemic, we\u2019re not surprised to see ads for these companies proliferating. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(55,"h2",24),a.\u0275\u0275elementStart(56,"span",25),a.\u0275\u0275elementStart(57,"span",26),a.\u0275\u0275text(58,"1"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(59," The Facts on Debt Settlement"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(60,"p"),a.\u0275\u0275text(61," Here\u2019s the secret: Anything the debt settlement firms can do for you, you can do for yourself, for free, even if your creditors have turned down your request for a settlement before. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(62,"p"),a.\u0275\u0275text(63," And a warning: Not only will you owe the IRS taxes on any amount of money that was \u201cforgiven,\u201d but many of these firms have a history of taking their clients\u2019 fees and disappearing. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(64,"p"),a.\u0275\u0275text(65," If you\u2019re feeling desperate, the ads from these companies can seem like a lifeline. Their promise is that "),a.\u0275\u0275elementStart(66,"i"),a.\u0275\u0275text(67,"only they"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(68," can talk your creditors into reducing the amount you owe, thus \u201csettling\u201d your debt. Because "),a.\u0275\u0275elementStart(69,"i"),a.\u0275\u0275text(70,"only they"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(71," know the insider secrets on how to force bill collectors to settle for receiving an amount less than you owe. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(72,"p"),a.\u0275\u0275text(73," These ads, with their breathless promises, are misleading, at best. "),a.\u0275\u0275elementEnd(),a.\u

10275\u0275elementStart(74,"h2",27),a.\u0275\u0275elementStart(75,"span",25),a.\u0275\u0275elementStart(76,"span",26),a.\u0275\u0275text(77,"2"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(78," Debt Settlement Pitfalls"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(79,"p"),a.\u0275\u0275text(80," One problem is that these firms will often instruct you to stop paying on your debts while they handle them for you. This can ruin your credit score. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(81,"p"),a.\u0275\u0275text(82," They also frequently charge a fee up front\u2014an amount that could range into several thousand dollars\u2014and then fail to deliver on their promises. Although charging a fee in advance is illegal, many still try to get away with it anyway. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(83,"p"),a.\u0275\u0275text(84," Here\u2019s how it works: You are told to deposit an amount into a special savings account for 36 months or more. Often people find they can\u2019t afford to continue in the program and drop out, leaving them worse off than before. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(85,"p"),a.\u0275\u0275text(86," Here\u2019s another little \u201csecret\u201d these firms won\u2019t tell you: If you do succeed in reducing the amount you owe, the IRS can designate the amount reduced as \u201cincome\u201d and assess taxes on that amount. For example, if you owe $10,000 and a creditor reduces it to $2,000, you could be liable for taxes on the $8,000 you were forgiven. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(87,"p"),a.\u0275\u0275text(88," The truth is, these firms have no special insider knowledge or relationship with banks that will make your creditors more likely to work with them or approve a settlement. And again, they will charge you thousands of dollars for work you can do yourself. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(89,"h2",28),a.\u0275\u0275elementStart(90,"span",25),a.\u0275\u0275elementStart(91,"span",26),a.\u0275\u0275text(92,"3"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(93," How to Protect Yourself"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(94,"p"),a.\u0275\u0275text(95," If you still choose to work with a debt settlement company, the "),a.\u0275\u0275elementStart(96,"a",29),a.\u0275\u0275text(97,"Federal Trade Commission"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(98," (FTC) warns you to avoid any that: "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(99,"ul"),a.\u0275\u0275elementStart(100,"li"),a.\u0275\u0275text(101,"charges any fees before it settles your debts"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(102,"li"),a.\u0275\u0275text(103,"touts a \u201cnew government program\u201d to bail you out of personal credit card debt"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(104,"li"),a.\u0275\u0275text(105,"guarantees it can make your unsecured debt go away"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(106,"li"),a.\u0275\u0275text(107,"tells you to stop communicating with your creditors, but doesn't explain the serious consequences"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(108,"li"),a.\u0275\u0275text(109,"tells you it can stop all debt collection calls and lawsuits"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(110,"li"),a.\u0275\u0275text(111,"guarantees that your unsecured debts can be paid off for pennies on the dollar"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(112,"p"),a.\u0275\u0275text(113," If you do decide to use of these companies, check them out thoroughly with your state\u2019s attorney general (many attorneys general have sued these firms) before you sign anything. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(114,"h2",30),a.\u0275\u0275elementStart(115,"span",25),a.\u0275\u0275elementStart(116,"span",26),a.\u0275\u0275text(117,"4"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(118," What to Do Instead"),a.\u0275\u0275elementEnd(),a.\u

10275\u0275elementEnd(),a.\u0275\u0275elementStart(119,"p"),a.\u0275\u0275text(120," Here are the options the FTC recommends if you can\u2019t handle your debt. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(121,"ol"),a.\u0275\u0275elementStart(122,"li"),a.\u0275\u0275elementStart(123,"i"),a.\u0275\u0275text(124,"Talk with your credit card company."),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(125," Even if you have been turned town before, they may be willing to work with you if bankruptcy is the only alternative (in which they may not get anything). Be persistent and polite, and explain your situation. They could offer you a payment plan on your reduced debt that you can manage. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(126,"li"),a.\u0275\u0275elementStart(127,"i"),a.\u0275\u0275text(128,"Contact a credit counselor."),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(129," But cautious here, too. \u201c[B]e aware that 'non-profit\u2019 status doesn\u2019t guarantee that services are free, affordable, or even legitimate,\u201d the FTC warns. \u201cIn fact, some credit counseling organizations charge high fees, which they may hide, or urge their clients to make 'voluntary\u2019 contributions that can cause more debt.\u201d "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(130,"li"),a.\u0275\u0275elementStart(131,"i"),a.\u0275\u0275text(132,"Declare bankruptcy."),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(133," Some people shudder at the thought of bankruptcy. Some consider those who take this path as \u201cdeadbeats\u201d who just want a free ride. But if you\u2019ve been laid off or furloughed and can\u2019t find a new job, it can be a lifeline if you have no other options. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(134,"p"),a.\u0275\u0275text(135," In a Chapter 7 bankruptcy, you can lose your house and your car if they\u2019re not paid off, but you will not face IRS taxes. In a Chapter 13 bankruptcy, the court will approve a repayment play that allows you to pay off your debts over three to five years, without losing your property. After you have made all the payments under the plan, your debts will be discharged by the court. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(136,"p"),a.\u0275\u0275text(137," In either case, you will have to come up with the money (the nationwide average is $1,000) to pay an attorney to file all the paperwork, and your credit score will take a major hit. But if you\u2019ve reached this point, it\u2019s probably fairly low already. Also, be aware that student loans cannot be discharged in bankruptcy. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(138,"p"),a.\u0275\u0275text(139," If you "),a.\u0275\u0275elementStart(140,"a",31),a.\u0275\u0275text(141,"need extra cash"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(142," to help you through this worldwide financial crisis, let BILLSHARK review your bills. It\u2019s free, and we may be able to find you hundreds of dollars per year you can put toward debt reduction. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(143,"div",32),a.\u0275\u0275elementStart(144,"span"),a.\u0275\u0275text(145,"Share:"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(146,"a",33),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(147,"svg",34),a.\u0275\u0275element(148,"path",35),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(149,"a",36),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(150,"svg",34),a.\u0275\u0275element(151,"path",37),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(152,"a",38),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(153,"svg",34),a.\u0275\u0275element(154,"path",39),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(155,"div",40),a.\u0275\u0275elementStart(156,"span",7),a.\u0275\u0275element(157,"img",8),a.\u0275\u0275elementEnd(),a.\u

10275\u0275elementStart(158,"div",41),a.\u0275\u0275elementStart(159,"strong"),a.\u0275\u0275text(160,"Billshark"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(161," \xb7 Bill Negotiation Experts"),a.\u0275\u0275element(162,"br"),a.\u0275\u0275elementStart(163,"span",42),a.\u0275\u0275text(164,"Helping consumers and small businesses stop overpaying on recurring bills."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(165,"section",43),a.\u0275\u0275elementStart(166,"div",2),a.\u0275\u0275elementStart(167,"div",44),a.\u0275\u0275elementStart(168,"h2",45),a.\u0275\u0275text(169,"Frequently Asked Questions"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(170,"div",46),a.\u0275\u0275elementStart(171,"details",47),a.\u0275\u0275elementStart(172,"summary"),a.\u0275\u0275elementStart(173,"h3"),a.\u0275\u0275text(174,"Can I settle my own debt without a debt settlement company?"),a.\u0275\u0275elementEnd(),a.\u

10275\u0275elementEnd(),a.\u0275\u0275elementStart(175,"p"),a.\u0275\u0275text(176,"Yes. Anything a debt settlement firm can do for you, you can do for yourself, for free, even if your creditors have turned down your request for a settlement before. These firms have no special insider knowledge or relationship with banks that makes creditors more likely to approve a settlement, yet they will charge you thousands of dollars for work you can do on your own."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(177,"details"),a.\u0275\u0275elementStart(178,"summary"),a.\u0275\u0275elementStart(179,"h3"),a.\u0275\u0275text(180,"Why is forgiven debt taxed by the IRS?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(181,"p"),a.\u0275\u0275text(182,"If you succeed in reducing the amount you owe, the IRS can designate the reduced amount as \u201cincome\u201d and assess taxes on it. For example, if you owe $10,000 and a creditor reduces it to $2,000, you could be liable for taxes on the $8,000 you were forgiven. That hidden tax bill is one cost debt settlement firms typically won\u2019t tell you about."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(183,"details"),a.\u0275\u0275elementStart(184,"summary"),a.\u0275\u0275elementStart(185,"h3"),a.\u0275\u0275text(186,"What warning signs does the FTC say to avoid in a debt settlement company?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(187,"p"),a.\u0275\u0275text(188,"The FTC says to avoid any firm that charges fees before it settles your debts, touts a \u201cnew government program\u201d to bail you out of credit card debt, guarantees it can make your unsecured debt go away, tells you to stop communicating with creditors without explaining the consequences, claims it can stop all debt collection calls and lawsuits, or guarantees your debts can be paid off for pennies on the dollar."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(189,"details"),a.\u0275\u0275elementStart(190,"summary"),a.\u0275\u0275elementStart(191,"h3"),a.\u0275\u0275text(192,"What does the FTC recommend instead of debt settlement?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(193,"p"),a.\u0275\u0275text(194,"The FTC recommends three options if you can\u2019t handle your debt: talk with your credit card company, since they may offer a manageable payment plan when bankruptcy is the only alternative; contact a credit counselor, but be cautious because non-profit status doesn\u2019t guarantee free or legitimate services; or declare bankruptcy, which can be a lifeline if you have no other options."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(195,"details"),a.\u0275\u0275elementStart(196,"summary"),a.\u0275\u0275elementStart(197,"h3"),a.\u0275\u0275text(198,"How does bankruptcy affect my property and credit?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(199,"p"),a.\u0275\u0275text(200,"In a Chapter 7 bankruptcy you can lose your house and car if they\u2019re not paid off, but you won\u2019t face IRS taxes. In Chapter 13, the court approves a repayment plan over three to five years without losing your property, and your debts are discharged after you complete it. Either way you\u2019ll pay an attorney (the nationwide average is $1,000) and your credit score will take a major hit. Student loans cannot be discharged in bankruptcy."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(201,"div",2),a.\u0275\u0275elementStart(202,"section",48),a.\u0275\u0275elementStart(203,"h2",49),a.\u0275\u0275text(204,"Related Blog Posts"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(205,"div",50),a.\u0275\u0275elementStart(206,"a",51),a.\u0275\u0275elementStart(207,"div",52),a.\u0275\u0275elementStart(208,"span",53),a.\u0275\u0275text(209,"Taxes"),a.\u0275\u0275elementEnd(),a.\u

10275\u0275element(210,"img",54),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(211,"div",55),a.\u0275\u0275elementStart(212,"h3"),a.\u0275\u0275text(213,"Avoid Tax Relief Scams: Red Flags and Smart Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(214,"span",56),a.\u0275\u0275text(215,"Steven McKean \xb7 May 14, 2018 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(216,"span",57),a.\u0275\u0275text(217,"Read article "),a.\u0275\u0275elementStart(218,"span",58),a.\u0275\u0275text(219,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(220,"a",51),a.\u0275\u0275elementStart(221,"div",52),a.\u0275\u0275elementStart(222,"span",53),a.\u0275\u0275text(223,"Financial Security"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(224,"img",59),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(225,"div",55),a.\u0275\u0275elementStart(226,"h3"),a.\u0275\u0275text(227,"Cash for Your House? How to Avoid Home Sale Scams"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(228,"span",56),a.\u0275\u0275text(229,"Carolyn Depoto \xb7 Jul 6, 2020 \xb7 5 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(230,"span",57),a.\u0275\u0275text(231,"Read article "),a.\u0275\u0275elementStart(232,"span",58),a.\u0275\u0275text(233,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(234,"a",51),a.\u0275\u0275elementStart(235,"div",52),a.\u0275\u0275elementStart(236,"span",53),a.\u0275\u0275text(237,"Credit"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(238,"img",60),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(239,"div",55),a.\u0275\u0275elementStart(240,"h3"),a.\u0275\u0275text(241,"Wipe Out Credit Debt Fast: SMART Goal Strategies"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(242,"span",56),a.\u0275\u0275text(243,"Michel Mora \xb7 Dec 6, 2019 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(244,"span",57),a.\u0275\u0275text(245,"Read article "),a.\u0275\u0275elementStart(246,"span",58),a.\u0275\u0275text(247,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(248,"a",51),a.\u0275\u0275elementStart(249,"div",52),a.\u0275\u0275elementStart(250,"span",53),a.\u0275\u0275text(251,"Savings Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(252,"img",61),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(253,"div",55),a.\u0275\u0275elementStart(254,"h3"),a.\u0275\u0275text(255,"Can't Pay Your Rent or Mortgage? Here's What to Do"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(256,"span",56),a.\u0275\u0275text(257,"Carolyn Depoto \xb7 May 5, 2020 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(258,"span",57),a.\u0275\u0275text(259,"Read article "),a.\u0275\u0275elementStart(260,"span",58),a.\u0275\u0275text(261,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(262,"a",51),a.\u0275\u0275elementStart(263,"div",52),a.\u0275\u0275elementStart(264,"span",53),a.\u0275\u0275text(265,"Savings Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(266,"img",62),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(267,"div",55),a.\u0275\u0275elementStart(268,"h3"),a.\u0275\u0275text(269,"Avoid Debt Settlement Firms: Red Flags & Smart Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(270,"span",56),a.\u0275\u0275text(271,"Michel Mora \xb7 Feb 5, 2018 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(272,"span",57),a.\u0275\u0275text(273,"Read article "),a.\u0275\u0275elementStart(274,"span",58),a.\u0275\u0275text(275,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(276,"a",51),a.\u0275\u0275elementStart(277,"div",52),a.\u0275\u0275elementStart(278,"span",53),a.\u0275\u0275text(279,"Savings Tips"),a.\u0275\u0275elementEnd(),a.\u

10275\u0275element(280,"img",63),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(281,"div",55),a.\u0275\u0275elementStart(282,"h3"),a.\u0275\u0275text(283,"Mortgage Trouble: Smart Tips for Struggling Homeowners"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(284,"span",56),a.\u0275\u0275text(285,"Brian Keaney \xb7 Jun 9, 2020 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(286,"span",57),a.\u0275\u0275text(287,"Read article "),a.\u0275\u0275elementStart(288,"span",58),a.\u0275\u0275text(289,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(290,"a",51),a.\u0275\u0275elementStart(291,"div",52),a.\u0275\u0275elementStart(292,"span",53),a.\u0275\u0275text(293,"Debt"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(294,"img",64),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(295,"div",55),a.\u0275\u0275elementStart(296,"h3"),a.\u0275\u0275text(297,"Bankruptcy Myths Busted: Know the Truth"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(298,"span",56),a.\u0275\u0275text(299,"Carolyn Depoto \xb7 Dec 3, 2020 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(300,"span",57),a.\u0275\u0275text(301,"Read article "),a.\u0275\u0275elementStart(302,"span",58),a.\u0275\u0275text(303,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(304,"a",51),a.\u0275\u0275elementStart(305,"div",52),a.\u0275\u0275elementStart(306,"span",53),a.\u0275\u0275text(307,"Home Budgeting & Finance"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(308,"img",65),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(309,"div",55),a.\u0275\u0275elementStart(310,"h3"),a.\u0275\u0275text(311,"How Workplace Benefits Can Help Your Finances"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(312,"span",56),a.\u0275\u0275text(313,"Brian Keaney \xb7 Mar 22, 2019 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(314,"span",57),a.\u0275\u0275text(315,"Read article "),a.\u0275\u0275elementStart(316,"span",58),a.\u0275\u0275text(317,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(318,"a",51),a.\u0275\u0275elementStart(319,"div",52),a.\u0275\u0275elementStart(320,"span",53),a.\u0275\u0275text(321,"Savings Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(322,"img",66),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(323,"div",55),a.\u0275\u0275elementStart(324,"h3"),a.\u0275\u0275text(325,"Avoid Payday Loans: Safer Money Options"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(326,"span",56),a.\u0275\u0275text(327,"Michel Mora \xb7 Sep 7, 2020 \xb7 6 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(328,"span",57),a.\u0275\u0275text(329,"Read article "),a.\u0275\u0275elementStart(330,"span",58),a.\u0275\u0275text(331,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(332,"div",67),a.\u0275\u0275elementStart(333,"a",68),a.\u0275\u0275text(334,"See more posts \u203a"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(335,"a",68),a.\u0275\u0275text(336,"See more posts for other categories \u203a"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(337,"section",69),a.\u0275\u0275elementStart(338,"div",2),a.\u0275\u0275elementStart(339,"h2",70),a.\u0275\u0275text(340,"Save on the Bills You Just Read About"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(341,"p"),a.\u0275\u0275text(342,"Billshark negotiates your bills for you \u2014 no savings, no fee."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(343,"a",71),a.\u0275\u0275text(344,"Estimate My Savings"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd()),2&e&&(a.\u0275\u0275advance(6),a.\u

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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.