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Debt consolidation plan is the perfect tool for getting out of debts. Free credit counseling is available from professional debt consolidation companies which will understand the effect of credit and debts on your credit score.

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Debt settlement is designed to help you eliminate your debt in 12 to 36 months, NOT years! If you only make the minimum payments on your debt, it could take you more than 35 years to become debt free, depending on your interest rate and other factors.