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Recovering from any kind of financial hardship can be a difficult but rewarding process. Youll need to make a plan for getting out of debt and sticking to it. This may involve downsizing or cutting back on expenses, negotiating with creditors for harassment reduction or lower interest rates, and creating a budget that will help you save money and keep your finances in the black. Once you are debtfree, be sure to put plans in place to protect yourself from going into debt again. Create an emergency fund, pay off all loans before they reach their due date, and save regularly instead of spending frivolously. Taking control of your finances during recovery is an important step towards achieving long-term stability.

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