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Do you know that you can do everything a Consumer Credit Counseling Service does all by yourself? Contact your creditors yourself, explain your situation, and they will more than likely work with you by temporarily lowering your interest rate or forgiving late fees. Don't be intimidated by your lender's collection people, even if you have spent months avoiding their phone calls. If you initiae contact and thoroughly explain your situation, you may be pleasantly surprised to find that they are willing to work with you until you get back on your feet.