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There are many companies that offer debt counseling services. These services will help you consolidate debt, negotiate with creditors on your behalf, and create a practical debt management plan. If you have experienced creditor harassment, late fees and penalties, not knowing which bill to pay first, or fear of answering the phone, debt counseling can be invaluable service. Most debt counseling services are non-profit organizations and work on your behalf. You will want to make sure that the service is accredited by agencies such as the Better Business Bureau, the American Association or Debt Management Organizations, or the British Standards Institute.
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