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If you're buried in debt from multiple credit cards, it may be time to consider consolidating your bills. A credit card consolidation program will pool all of your credit card bills into a single monthly payment. This can bring an end to the pressuring calls from relentless collectors, you will likely end up with reduced interest, and it can lead to some fees being waived. The agency that handles the consolidation will accept all of your payments, and they will manage all communications with the creditors for you, so you no longer have to decline those harrassing phone calls.

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