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Credit counseling services provide various resources to help solve your money problems.

From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.

If you’ve got mountains of debt piling up, it can be all-too-easy to throw your hands in the air and turn a blind eye to burgeoning balances.

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If you're unable to pay your creditors, filing for bankruptcy can help you get a fresh start by liquidating your assets to pay off your debts or create a payment plan.

Yet since bankruptcy has far-reaching and long-lasting results, you should first consider other debt management options.

As federal courts have exclusive jurisdiction over bankruptcy laws, cases must be filed in federal bankruptcy court.Late payments, medical bills and personal emergencies can all add to a mounting amount of debt.If you are struggling to manage your debt but unsure of what steps to take, you can look into solutions offered by loan consolidation companies. Many of these paths negatively affect your credit score, require long-term dedication and obligate you to still pay off the majority of what you owe.Dear Debt Adviser, I have about ,000 of debt on credit cards. The top performers in our review are National Debt Relief, the Gold Award winner; New Era Debt Solutions, the Silver Award winner; and Accredited Debt Relief, the Bronze Award winner.




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