Should I Try a Credit Counseling Program or Negotiate My Debt? – Vern

“Dear Steve, I OWE ABOUT 20 K TO THREE DIFFERANT CARD COMPANIES. SHOULD I TRY A DEBT COUNSELING COMPANY OR CAN I NAGOTIATE MYSELF WITH THE COMPANIES OR WILL THEY REALLY LOWER MY DEBT. VERN” Dear Vern, Yes. Seriously, it really depends on if you can afford to repay your debt. If you can’t check …

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