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They can do this, for a fee, however it is nothing which you can't do on your own at no cost To start, name each of the creditors the place you might be overdue and make cost preparations, ask for a lower rate of interest, or ask if they are going to take a partial payment and think about the debt paid in full.  Here is my site -  http://dubbomtb.org.au/?option=com_k2&view=itemlist&task=user&id=1129792