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Typically, they’ll offer you an appointment to assess your situation and suggest a debtmanagement plan. This is always a good first step before turning to a debt relief company. Debtconsolidation programs. This is an option for people who have several debts with different creditors.
The debt collector could also get the court to put a lien on your property, like your house, if you don’t respond. Talk with an attorney: An attorney can advise you on your legalrights and help you navigate the lawsuit process. These organizations offer free or low-cost financial counseling and debtmanagement plans.
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