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Hi I am a student from NJ and have racked up a $6500 credit card debt (unsecured). I've heard that in NJ you can't use debt settlement. So what are my options? I've stayed fairly up to date with my payments but can't make a dent in the total balance because of interest rates. I've tried calling the companies but they wouldn't help me out. I do have a company who says that they can help settle my debt (Preferred Financial Servces but I'm not sure if this is the way to go. Please help!

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