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You may also be responsible for paying the costs of the creditor hiring a collection agency or legal costs. CreditCounselor. A creditcounselor is certified and trained in consumercredit, money and debt management, and budgeting. These provisions mean that you may owe interest on unpaid debts.
Credit Counseling Immediate credit impact: None expected Long-term credit impact : None expected A creditcounselor is a professional adviser who helps you manage and repay your debt. Counselors may offer free or low-cost consultations and educational materials.
We liken credit repair companies to a plumber: you can spend the time and effort into figuring out how to fix your leak yourself, but if you don’t want the hassle, a pro may be the best option. Legal experts at credit repair companies spend all day every day negotiating with creditors and seeking resolutions to mistakes.
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