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Learn more about Muck RackThe Heritage Group was born as a result of the owners’ own credit and debt issues in the mid-80’s. Faced with bankruptcy and the closure of his small retail store, he contacted his creditors and offered them an equal share of what little money was available. The negotiation was successful and bankruptcy was avoided. With a new understanding of how creditors could be dealt with, he advertised to assist consumers with similar problems and soon had a book of business that has continued to grow t…