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特に債務整理は、破産法などの法令知識だけでなく、各債権者（消費者金融など）の特徴や裁判所の実務的な運用について、深く理解していることがポイントとなります。しかし、これらの悪影響は一生続くわけではなく限定的なものにすぎません。本コラム�

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