In this procedure debt counselor will decide that how much you can pay to your unsecured creditors every month so that you can make these debts clear within 3-5 years. It depends on you that how much you can afford to pay you creditor. It is a very tough job to convince your creditor to make agree for a concession so that you can easily make your payments which you can easily afford. It can be possible that your counselor succeed to make the creditor ready for making
credit card debt....
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