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Are there any legitimate credit card debt relief companies?

I owe $35,000.00 in credit card debt. I’m making the payments now but won’t be able to for long. My credit score is down to 640 due to my D/I ratio. Since my credit is already going down, I wonder if I should contact a debt relief company to at least put a term on the debt.

Are there any legitimate credit card debt relief companies?

Mark

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