Who are you when you are up and dressed, anyway? What type of counsel do you provide? Are we talking social worker, here, or what?
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I provide legal counsel.

NLTSD Guy – I am neither a buyer or seller, but an owner. Regarding consumer credit, I really don’t know enough about the input data to draw any conclusions. I do know that many financially savvy folks take on debt when and where it makes sense and reduce debt when and where it makes sense, for whatever that’s worth.