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Having a serious credit problem is scary. Before you know it, you're dreading receiving the mail or hearing the phone ring. You're losing sleep worrying and wondering what will happen next.

It doesn't have to be that way... there are ways to lift your burden of worry. As members of the credit industry, we want to work with you to help you repay your debt.

The good news is there are some things you can do right now to help solve the problem.

1) Contact your creditors and explain your situation.

2) Call a not-for-profit credit counseling agency.