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	<title>The Credit Loans Guide</title>
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	<description>Your Source For Consumer Loans &#38; Credit Cards</description>
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		<title>What are the benefits offered by credit counseling agencies?</title>
		<description>If you are in credit card debts, you must contact the credit card companies and inform them about the financial hardship you are facing. You can request the companies to reduce your outstanding debt balance and negotiate an alternative repayment plan. However, if you are not able to negotiate, you ...</description>
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