You want to reduce your debt, but before you sign up with a debt-counseling service, you want to know what debt counselors do. Before I explain, consider the following and see if this applies to you:
• Your credit card bills are overflowing and overdue
• You are getting threatening calls and letters from collection agencies
• You are just scraping by and can't seem to get your debts under control
If the above sounds like your situation, you really should talk to a debt counselor. It
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