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Credit Counseling: If youre not disciplined enough to create a workable budget and stick to it, cant work out a repayment plan with your creditors, or cant keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But be aware that, just because an organization says its nonprofit, theres no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, which may be hidden, or urge consumers to make voluntary contributions that can cause more [...]
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