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Credit-CardConsolidation.net was not created to establish client-attorney agreements or provide legal advice. We are not a law firm. By using our form, you will be called by one an agent offering a free referral into a debt management or debt settlement service, after we provide our financial analysis and debt budgeting software. Some creditors and collection agencies may refuse to lower the minimum payments and interest rates. Nothing is ever guaranteed, regardless of what company you select. It is always advised that consumers stay current with the minimum payments until the service provider drafts the first payment when enrolling into a debt management program.