Debt Consolidation may be better then bankruptcy
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Common Questions

Q:

If I join a debt management program do I have to pay all at once?

A:

No, your certified credit counselor will assist you in creating a workable plan that is based on monthly payments you can afford. The most important thing is being completely honest about your financial situation with your credit counselor and being sure that you have a realistic plan. It’s also critical that you stick to the agreed upon plan and make your payments on time.

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