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* **Debt Consolidation:** Combine multiple debts into an consolidated loan with a reduced interest rate.

* **Debt Management Plan (DMP):** Work with a credit counseling agency to create a personalized repayment plan that is manageable.

* **Bankruptcy:** A legal process that can discharge some or all of your debt, but it has lasting implications for your credit.

It's important to explore your options and select the solution that most effectively meets your specific needs.

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*

{Reduced monthly payments|lower interest rates

*

greater peace of mind

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