Rayne R. asked:


I am looking for possibly a consumer credit counseling or debt relief program. Have any of you used one? Who would you recommend?
Because of this, my credit rating is unbelievable low and taking on a new credit card or debt is not an option.

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Jene asked:


I honestly thought that a lot of companies were slashing interest rates while mine on one credit card went up 2%. I pay it every month on time. But with the economy and lack of work the debt is too much to handle. Is there any relief at this point? or do I need to declare bankruptcy?

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