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- Seek help by contacting non-profit
- agencies in your community.
- Consider Consumer Credit
- Counseling Service (CCCS), your
- state cooperative extension
- service or an Employment
- Assistance Program at your job.
- Other local agencies may be
- listed in the telephone directory.
- Once you have received
- counseling, contact creditors and
- present a new repayment plan. If
- they accept your plan, follow
- through with it. You may have to
- consider bankruptcy.
-