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How do you start debt consolidation? Whom do you go to?

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If you are referring to credit card debt, I would research debt counselors in your local area. They should be able to provide assistance.
Pam Newman

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Pam Newman is a Certified Management Accountant, author and Certified QuickBooks ProAdvisor for Financial and Point-of-Sale software. She is also president of RPPC, Inc., which provides customized business development services.