Question by Penne: has anyone used a credit card counciling service for debt consolidation?
I am thinking of dealing with Clear One Debt Relief and it sounds to good to be true. What makes me leary is that they want me to go delinquent on my cards before they will step in and they will take my payments out of my checking account each month. They say they can take my $ 15,350.00 credit card debt and reduce it 47% but they will not deal with the company's until I am delinquent for at least 2
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