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The world is going through hard times, that is an undeniable reality. 2020 has been a year that can be defined in many ways, mostly negative: unexpected, chaotic, catastrophic. The world economy has been severely hit. This has greatly affected millions of Americans, who have seen their financial situation collapse overnight. As a result, many have taken on excessive debt that they cannot pay, to keep food on the table, or to save their businesses. At Legal Facts, we think that’s totally unfair.