does credit counseling work?
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Posted by anon
(64.147.34.167) on August 05, 2003 at 22:25:29:
I've been checking into credit counseling, debt negotiations, and bankruptcy--does counseling and negotiating really work? It seems to me that my credit is already a mess, I might as well just file bankruptcy and get a fresh start. The counseling and negotiating seems to cost a great deal. Any success stories?
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