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They'll do that, for a fee, however it's nothing that you may't do by yourself at no cost To begin, name each of the collectors the place you are overdue and make cost arrangements, ask for a decrease rate of interest, or ask if they may take a partial cost and take into account the debt paid in full.  My web-site;  http://freecreditreport09.snack.ws/how-you-can-access-your-free-credit-report.html