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Today's News Stories from Bankrate.com®:

Negotiating with creditors

What to know about new HIRE Act

Mortgage rates at new record low

Wife garnished, hubby skirts joint debt

Unearned income won't affect disability pay

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Today's Rates:

Mtg Loan

Rate

APR

30-yr Fixed	4.56%	4.71%
15-yr Fixed	4.03%	4.24%
1-yr Adj	3.7%	4.59%

* national averages

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