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We are a multi-state licensed, non-profit consumer education and financial counseling agency, that serves individuals and families in financial distress. We offer FREE budget and how to get better credit. With our link pages and our free assistance you can: get out of debt, reduce credit card payments, repair your credit, stop collectors, and learn financial planning and budgeting. In addition, we will also teach you about the intelligent use of credit, how to obtain credit reports, consolidate your bills, end delinquency and avoid bankruptcy.

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