When you contact a non profit debt consolidation service, you will be seeking the advice of a Certified Credit Counselor. The counselor will help you design a payment plan tailored to your needs. This service also includes working with your creditors to waive, or reduce fees and interest rates and in some cases they will be able to reduce the debt owed by 50 to 80%. This means a huge savings for you any way you look at it.
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