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        <Description>&lt;p&gt;I heard on the radio the other day that the stock market hasn&amp;rsquo;t seen such gloomy times since The Great Depression. If that&amp;rsquo;s not enough to make small business owners shake in their boots, well, I don&amp;rsquo;t know what is. If there are any small business owners out there not just a little bit worried in today&amp;rsquo;s tough economic times, I think they&amp;rsquo;re residents of La La Land.&lt;/p&gt;&lt;p&gt;I heard about a free, yes FREE, resource out there that is specifically designed to help you. Developed by SCORE &amp;ldquo;Counselors to America&amp;rsquo;s Small Business,&amp;rdquo; and Corporate Turnaround, it&amp;rsquo;s a 16-page workbook, &lt;em&gt;How to Pay Business Debts You Can&amp;rsquo;t Afford&lt;/em&gt;. This resource is to help small businesses survive when facing economic and financial challenges. The guide covers some of the most crucial parts of settling commercial debts, including:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;How to determine a monthly budget to pay past due debts&lt;/li&gt;&lt;li&gt;How to create settlement offers with real-world information&lt;/li&gt;&lt;li&gt;How to write settlement letters using fill-in-the-blank templates&lt;/li&gt;&lt;li&gt;How to negotiate affordable settlements with the toughest creditors&lt;/li&gt;&lt;li&gt;How to stretch out settlements over time&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;em&gt;How to Pay Business Debts You Can&amp;rsquo;t Afford&lt;/em&gt;&amp;nbsp;is free and available as a PDF download on SCORE&amp;rsquo;s home page at &lt;a href="http://www.score.org"&gt;www.score.org&lt;/a&gt;.&lt;/p&gt;&lt;p&gt;SCORE CEO Kan Yancey says, &amp;ldquo;SCORE mentors can help small businesses with a variety of financial issues, including loans, cash flow, accounting, taxes and cost reduction.&amp;rdquo; Yancey adds, &amp;ldquo;This new workbook will help give small business owners the tools they need to satisfy their creditors.&amp;rdquo;&lt;/p&gt;&lt;p&gt;&amp;ldquo;The easy-to-understand strategies in this guide have helped settle more than 25,000 business debts,&amp;rdquo; says Jerry Silberman, CEO of Corporate Turnaround and co-author of &lt;em&gt;Small Business Survival Book: 12 Surefire Ways for Your Business to Survive and Thrive&lt;/em&gt;. Silberman adds, &amp;ldquo;SCORE clients will learn how to explain their hardship directly to their creditors and gain the best possible settlements.&amp;rdquo;&lt;/p&gt;&lt;p&gt;If you find yourself needing help with your small business financial health, then a free resource is always a welcome one. That, along with a winning lottery ticket!&lt;/p&gt;</Description>
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