This is VERY solid advise. Law and credit is one of my specialties also and I know from experience what you are saying works most of the time and is 100% risk free besides the time it takes to do.
Great post, I hope people are wise enough to take advantage of this.
This is a post with MAJOR value so I gave it a 100% Upvote and will follow you.
Blessings~*~
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Thanks for the love.
You deserve it!