do you have any access to family counsel... my brother was laid off from his work and has alot of bills... he was sent to the company family services dept. and they showed him a budget he is using to get debt free and he had to call all of his creditors and write them himself.. it is very important he told me that he owns responsibility for his debts and works to correct the situation... i must say i am proud of him he is doing well with all of their help...
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