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We have all been in debt at one time or another in our lives and have the best intentions when it comes to paying off these debts. Usually though, we don’t foresee the future and the emergencies that arise. Most of us live paycheck to paycheck and are unable to put money back for the unexpected things in life, making it harder to fulfill our promises to pay for the things that had already been purchased. When we miss one payment, it soon turns into two payments and so on. Once we get behind, it’s almost impossible to get caught up on the missed payments since the next ones are due also