You can consolidate your debt by leveraging credit counseling or a debt management plan.
A reputable credit counseling agency helps you implement your debt management plan and get back on your feet! The debt management plan requires you to pay 100% of the outstanding balances; they freeze the interest accrual.
The plan duration could be up to 5 years.
You May or may not qualify for the debt management plan.
Do not jump into credit counseling without considering other options.
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