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In 1935, the Social Security Act was passed by Congress and marked the beginning of an unemployment insurance benefit program throughout the United States. The intent of the act was to provide an economic safety net for people when they lost their jobs while also stabilizing the economy.
3. Personal loans for medical debt. If you have medical debt that cannot be resolved with the hospital, you may consider taking out a personal loan to cover your medical bills. A personal loan could give you a year or longer to pay off your medical debt.
The 7.5 years the negative item stays on your credit report starts from the first missed payment to your lender. When your accounts get this far behind, it is standard to have the account placed with outside collection agencies repeatedly.
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