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Need some solid advice on managing debt and finances
I've been trying to get my finances in order lately, and honestly, it's a bit overwhelming. I've heard about credit counseling services but never really looked into them before. Has anyone here used one of these services? Did it actually help you get your debt under control, or was it more of a waste of time and money? I'm kinda skeptical, you know, but also desperate enough to try anything at this point. Any recommendations or warnings would be super appreciated.
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