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Personally I do not think education plays that much of a critical role. The characteristics of the person is much more important. Things like trouble shooting or problem solving, quick thinker, determination, responsibility, maturity, trust worthiness, goal oriented, etc.

Yes, it is too good to be true. Whether it is with a law firm or not, you will be wasting your money with a debt settlement company. I speak from personal experience and ended up paying more then if I attempted to settle the debt myself with the collection agency. If your debt is held by a...