I have about 12000 credit card debt. What’s the best debt consolidation, redcution service around? Thanks?

I have built up about 12000 dollars of debt between the period of college graducation til I found my job about 1.5 years later. Right now since I have pretty stable income, I would like to deal with my debts asap. I am looking for a good debt consolidation/reduction service asap. I have been checking [...]

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Does debt consolidation/reduction (for credit cards) hurt your credit as bad as bankruptcy?

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