Hello and thank you for the question.
Doing this is best done in 2 ways
most suggested is direct negotiation with the creditors for reduced amount and payment plan
alternatively, having a consumer protection lawyer do so on flat fee for which martindale.com is a good resource
I would stay away from debt consolidation companies
many are scams
others are ineffective
as creditors more often refuse to work with them
Let me know if that is clear or if I can clarify anything
thank you for your prompt response and the good info you sent.
I am most appreciative.
Kindly rate the answer positively
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