I get plenty of mail from readers wanting to know how to break their (cell phone, satellite TV, gym membership) contracts, but lately, those questions have increased dramatically for two reasons:

1. People are looking for expenses they can eliminate, because they have lost their jobs or they're concerned that they might.

2. Consumers sign contracts too casually these days, without regard for the fact that they don't know what's going to happen in the future.

Let's conside ...

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