Advertisements are on the radio, TV, and every where you turn telling you they can help with your debt problems. But you need to be weary of these get out of debt quick offers. Remember there are no quick fixes and every dollar you waste on a fly by night solution the longer it will take to get out of debt and may even make things worse. Call the nonprofit National Foundation for Credit Counseling (800-388-2227) for help. They offer free counseling and will help you trim your expenses, plan a budget, and even help you negotiate better terms and rates from your credit card companies.
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