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Does debt consolidation or debt forgiveness make more sense with bad credit?

Finding the right solution to your high-rate credit card debt can be tough if your credit is less than ideal.
Top stories - CBS News - Yesterday
Rachel Reeves’ plans to reform Britain’s pensions industry

Proposals expected to lead to rapid consolidation of workplace retirement schemes and reallocation of assets
World - Financial Times - 15 hours ago
House Ethics chair reiterates he does not plan to release Gaetz report

Politics - Politico - Yesterday

Does debt consolidation or debt forgiveness make more sense with bad credit?