Debt counseling
There are debt counseling services for free. Do not pay for this service! Here is a website for you to check out: http://www.moneymanagement.org/FinancialFreedom/cccs.asp?RCTAG=CCCS&src=MMIPD_overture&CMP=KNC-OVR&ovmkt=5OPRGVU0L32LU8JM6SFOL2RPSC
This is a nonprofit free debt solution organization that will give you some answers.
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