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These people are VERY AGGRESSIVE when you talk to them.
Remember you hold the upper hand...
Tell them you lost your job,
Tell them you have a new job but it pays less. Roughly half of what the old job paid.
As a result you cant afford the same old cost of living and payments.
This is the specfic FORMULA they are looking for...
THIS IS KEY.
Do this EXACT as I say or it wont work.
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