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I'm just beginning to research debt counseling companies and was also referred to Genus by two of my creditors. Unfortunately, I found out that Genus and many other debt counselors cannot help me in Michigan because of a state law prohibiting their business unless they have an office in the state.

I have discussed my options with CCCS and was given a reasonable repayment plan. My worst fear, though, is turning over the control of my payments to a third (and not-all-together-impartial) party. Having just read through the Fool School's "Getting Out Of Debt" lessons, I think I'll try threatening bankruptcy first to lower rates myself. I've tried explaining my situation to negotiate a better rate, but get no better than temporary answers and referrals to yet another debt counselor.

I'd appreciate any other ideas or success stories on getting better rates from creditors. Thanks!

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