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A reputable consolidated credit counseling agency will give you truthful, useful advice on how to manage your money and use credit wisely.

The agency will also help you establish a written budget and offer educational materials and financial workshops.

It should be willing to provide you a clear, detailed description of its product and services.

If the agency does not answer your questions or its answers are not satisfactory, go elsewhere.

This debt-relief option untangles the mess consumers face every month trying to keep up with multiple bills from multiple card companies and multiple deadlines.

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