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Complete freedom from debt for all persons is an impossible dream. Some people have little money sense and buying on credit is almost like an addiction. And where there are people willing to take out loans, credit cards, and other forms of borrowing, there are companies all too willing to extend credit to them.

Credit in itself is not wrong. All of us to some extent use credit. Unfortunately millions of people in Europe have been facing increasingly tough times and are finding themselves in debt. Even some countries have faced bankruptcy and have had to take drastic measure to balance their books.

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