credit counselors


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I lost my full time job, and the late fees, interest, ect.. have all addedd up, it’s no way I can ever get caught up at this rate. There sre so many credit counselors that I don’t know wich way to turn. Please help!!

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Are debt/credit counselors all scammers or are there legit companies out there? Anyone know where to find a reliable source?

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For instance, at what point should you consider debt consolidation loans, credit counselors, and/or bankrupcy? This is given that I understand the responsible use of money, but live in a crappy economy and in one of the crappiest states for crappy economies in the U.S.A. Just looking for some advice from those who are experienced and/or knowlegable in this area. Thanks!

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