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This will save you time as well as money. You may be able to do this on your own, but in many cases you'll find that you'll need help to negotiate lower interest rates. By working to pay off your credit card bills, you won't have to worry about paying credit card payments in the future. Because the debt management company can work with your creditors to negotiate a lower interest rate, the payments you make each month will be more productive, even if you might be
