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We signed up for credit counselling to consolidate, but they are charging service fees (supposed to be non-profit). We are so behind on our utilities as well that we'd rather pay the utilities right now than the credit cards. I just wish they can remove the late fees and huge finance charges they added to the amount we actually borrowed then we may actually be able to pay it off. We don't owe that much but the fees they added made it huge. We want to pay it, but how can we if the fees they are adding is bigger than the payment we can afford? We're just trying to get back on our feet.
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