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QCredit Counseling Recommendations...Lawyer, Maybe?

I took out too many payday loans last year. I paid as many as I could, but now it's catching up with me.

My wages have been garnished from one creditor, and the balance is almost paid off, but now I just received notice today that I'm about to be garnished again by another company. I'm in debt, but not enough to declare bankruptcy (at least I don't think so). I want to get this taken care of, but I've found out that payday loan companies are not very flexible. I'll never deal with them again.

Should I get a lawyer involved? Can anyone recommend a good credit counseling company/service? Have you been in this situation, and if so, how did you handle it? ANY advice or encouragement would be very much appreciated!



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