Numerous Debt Challenges

I know that on the radio, television and print ads that I see I only hear or read them helping out people with a lot of credit card debt. Are there companies that help with not only this debt consolidation but in other areas of my life where I can not seem to get ahead. My bank allows me to be over-drafted by $2,000. While I pay a fine for this, I still can not seem to get out from under it. So with my bank and other issues that I have I need a company to work with me on all levels.

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