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Debt settlement companies offer to arrange settlements of your debts with creditors or debt collectors for a fee Credit counseling organizations are usually non-profit organizations that advise you on managing your money and debts They usually offer free educational materials and workshops.

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Possible Debt Consolidation OzBargain Forums. By Dave Ramsey More Content Now Posted Mar 19 2019 at. Debt Consolidation HowStuffWorks Money HowStuffWorks. For more tips here's a clip from The Dave Ramsey Show.

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