There are some strategies for dealing with debt - reputation counseling, debt consolidation, etc. - and none of them fits every situation. How you select to handle your debt depends on the whole and the type of debt you have. For example, you might select a separate strategy for reputation card debt than you would for auto loan debt.
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If all you have is reputation card debt, you have a few options, depending on how much debt you have and what you can afford to pay each month.
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