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Ces of a credit counseling agency. Usually nonprofit, these agencies work with you to solve your financial problems sometimes for free. Credit counseling agencies may offer educational materials and workshops, or help you develop a budget. Many agencies offer services nationwide through local offices or the Internet. Look under "credit counseling" in your telephone directory or your Internet search engine. HOW CREDIT COUNSELING WORKS When you meet with a credit counselor, you'll be asked to.

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