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Credit counseling is a debt solution that consolidates your unsecured debts without a loan. So, you will only have to make one payment a month to the debt management organization. The credit counseling company will pay your lenders each month from the payment you make to them. These people will deal with your credit card companies and you no longer have to. Your interest rates will be reduced and your fees eliminated. This will allow you to repay your debts more quickly. You can be out of debt in as little as three years and usually no longer than five years.

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