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42:04 FERM PWT Conference Call FERM PWT Conference Call	FERM PWT Conference Call Zoom Recording ID: 98628034224 UUID: L63KFgLLSGGY4NpSSXRIvg== Meeting Time: 2020-08-20T16:50:59Z management counseling counseling agency consumer credit counseling debt management plan debt manager program settlement agency rethinking debt credit counseling personal finance planning counseling session foreclosure prevention counseling counseling management program city mental health financial law economics terminology credit 1050 university avenue loans debt management financial economics refer people a&m records singles interest rates consumer credit internet culture income today andrea personal financial problems collection accounts national debt legal terminology caption complete avoid foreclosure andy griffith credit score 1st time student loan psychotherapy debt financial counseling project management bankruptcy debt management program financial literacy mortgage credit cards sports culture financial goal pseudo-top-level domains thought business terms payments unsecured debt reverse mortgage schedule (project management) credit counseling service From Nancy Reigelsperger 6 plays