People with overwhelming debts need more breathing room but they can’t figure out which options will make their situation better and which options will make it a lot worse. It’s hard because there is a real cost to inaction – big debts become more complex the longer they’re not addressed. The people we hear from feel completely stuck because the solutions they research can’t help their specific situation. They’re not looking for a hand out, they just need a way to reduce their monthly burden and
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