Debt and credit counseling abound but choose carefully. Those that are good help improve lives and promote financial literacy by providing solutions to the dilemma at no cost or very low fees. They will help get you where you want to go. Reputable companies do not keep your payment for the first month. Neither do they charge high fees nor demand that you contribute something. The website below has more suggestions to avoid trouble but sign up first at the top of the page if you want to receive free alerts and tips and/or a newsletter called "Earn Money Today" delivered right into your email inbox.
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