A few months ago, my wife and I were beginning to seriously consider applying for bankruptcy. We knew that filing for bankruptcy is one of the worst things you can do to your credit, so we wanted to find another option. We felt like there was no other way, since we couldn’t even make all of the minimum payments on our credit cards. We decided to look in the phone book at Credit card debt consolidation agencies to see if they could help us in any way. After talking to a really helpful woman on the phone, I knew that consolidating our debt was the way to go.

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