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I agree with Earl: No sense paying someone to do what you can do yourself. If you're really in a bind, YOU can (and should) contact creditors to negotiate arrangements to settle your debt. Reputable lenders will consider reasonable input, unless you've stiffed 'em for so long they've begun repo/forclosure proceedings or turned the account over for collection.
Debt-consolidation loans might make economic sense in some instances, but remember that you can't borrow your way out of debt. (I figured that out years ago when I started cash-advancing on credit cards to pay the mortgage.)
dcb
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