Debt Consolidation may be better then bankruptcy
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Common Questions

Q:

Does credit counseling/debt management require good credit?

A:

Credit counseling is a way for you to learn about credit, debt, your credit history and rebuilding a positive credit rating if necessary. Unlike a debt consolidation loan, which would require that a customer have good credit to obtain the loan, Credit Advisors works with the client, using their current income rather than sending the customer further into debt.

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