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The best approach to smoking cessation is:
Unsecured Debts
Debts that are not backed by an asset or collateral, increasing the risk for lenders if the borrower defaults.
Chapter 7
A chapter of the U.S. Bankruptcy Code that involves the liquidation of a debtor's assets to pay off creditors.
Three-Year Period
A specific duration of time lasting exactly three years.
Nonprofit Credit Counselor
An advisor typically affiliated with a nonprofit organization who provides guidance on managing debt, budgeting, and improving personal financial health.
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