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I am no expert, but we just completed our homestudy and we are in the state of Fl. I don't think they pulled our credit report. The did get references from work and verification of income. The had us list all of our expenses. I think if you are meeting your monthly payments with money left over, I don't think they would have a problem with debt. Just my option though.
Good luck,
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Bio-mother of Derek my hockey champ! And son of my dreams. Fostering to adopt the daughter of my dreams.
Victoria
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