Debt Consolidation may be better then bankruptcy
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Common Questions

Q:

What happens to my credit if I use a debt management program?

A:

If you are seeking help, it is likely that your credit report already has some derogatory information that needs to be addressed. A debt management plan will do just that. If you have excellent credit when you start the program, initially your credit report may reflect some late payments during the set up of your program, however if you stick to the plan your credit should emerge in better shape, showing paid in full debt and on time payments.

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