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[Marshall82]

Debt consolidation is when you and your counselors agree to work together to lower your debt. This is NOT a loan. Debt consolidation allows you to lump all of your payments into one low manageable monthly payment. A simple free debt consolidation analysis can point you in the right direction. You can even decide that the debt consolidation program is not for you.

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Delinquent accounts become re-aged to current status again enabling your credit rating to be saved.