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In debt consolidation, creditors not agree to terms,
I am in a debt consolidation..there are two credit cards that will not cooperate to settle my debt. Should I try to borrow enough money to pay these creditors off? My debt consolidation company advised me that some creditors take years to agree but that if it goes into collections then they can start working toward getting the creditors to cooperate to settle my debt with them. I want to get over all this...thankyou..

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