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Has anyone used those debt consolidation programs that is being advertised online where they ask for some very general financial question? I guess afterwards they have someone in that field calling you back to discuss your financial situation.
If you have, which ones have you used and find ...
You also want to make sure that the first thing they don't ask is "how do you plan to pay us to help you consolidate your debt".
There are actually free non profit programs out there.
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