It is no secret that the economy is in a very poor state. More and more people are struggling to pay their bills each month, and are being harassed by bill collectors. The worst thing that you can do is continue to try to handle the situation yourself, as you will find that you become deeper and deeper in debt. This leaves the question, “Is it better to use a debt consolidation agency or file bankruptcy?”

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Is it Better to Use a Debt Consolidation Agency Or File Bankruptcy?