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There are credit counseling agencies that will do this work for you. Most of them (though not all) will charge you a small fee, but they are professionals and know what to say to get your debt reduced.
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Check best Bad credit debt consolidation
Charles Helms, president of Consumer Counseling Northwest, sees a lot of people who have been burned by these phony debt relief programs. “It’s horrible,” he says. Because most of them have a large up-front fee, they’ll take anyone who can pay.
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