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Debt Counseling and Debt Consolidation Services. Your privacy is 100% protected. We take your privacy very seriously. What happens after I sign up? Debt that can be helped with includes unsecured debts such as Credit cards, Department Store Cards, Personal loans and lines of credit, Medical, Legal, Cell Phone and Health Club Membership bills. In addition, there are programs available for tax debt, home loan modifications, lender litigation and defaulted student loans.