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“Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a big if), you should be able to settle your debts for cents on the dollar. You'll also pay a fee to the debt settlement company, usually either a percentage of the total debt you have or a percentage of the total amount forgiven.”

“The debt settlement company will direct you to stop paying your creditor and instead send the money directly to them each month. The company's goal is to demonstrate to your creditor that you don't have the money to pay up - that's your leverage. After a few months, the company will typically go to the creditor and say, "I'm holding X dollars on behalf of your customer. He doesn't have the money to pay you, so you should take this amount as a settlement or you'll end up with nothing." If the creditor wants to get paid badly enough, it will take the money.”

“If this government can send 20 billion dollars to Latin America to some peasants who have never fought for this country or worked for this country or have - or - and is sending hundreds of millions of dollars to Africa and Asia to try and buy friendship of people who will never be friendly toward them, then they should be even more quick to spend some - whatever amount of money is necessary to get inside of their house straight, before it's too late.”

“In Europe, where the terrorist threat is probably greatest at the moment, the amount of information-sharing that's been taking place, the effectiveness of law enforcement across borders gives us the ability to protect ourselves while still being true to the basic precepts of our liberal democracies. I hope that that continues, and it is something that I think we should be worried about.”

“Those of us and so many other stalwart critics and opponents and questioners and dissidents in conservative media were attacked for doing what those people in the mainstream media should have been doing. Do your job! Subject these political candidates to the same amount of scrutiny that you are now trying to compensate for with the incoming Trump administration!”

“When I was a kid and a young man I read everything. When I was about 23, I was incredibly lucky in that I wound up with several book review columns, which meant that I had to read huge amounts of stuff that was outside my experience and outside my comfort zone. I think every young writer should be forced to read the kind of stuff they would not normally read for pleasure.”