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Credit ratings are the devil, but because debt consolidation or settlements can hurt them, many people in debt can’t seek help.Your credit score is going to suffer to some level no matter how you come out of debt.People think that bankruptcy will help them less painfully than consolidation.Credit scores can be better preserved and mended …

By the time they realize how much they owe, it is often far too late for many people to get out of debt on their own.It will take decades for the average American household to pay off the $10,000 per family debt owed to credit card companies.Debts that just will not go away can cause …