Diani,

Here is the debt negotiator I told you about. For me it was totally the right thing to do. For you it may not be, but he is great guy to talk to because I became totally educated to my options — you’re under no obligation to use him. What became clear to me was the worst thing I could do was nothing.

I gave him your e-mail. If you want him to give you a call I will give him your number.

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