Debt Poolers

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Individuals or organizations who receive and apply monthly funds from a person owing money to several creditors and who make arrangements to pay these creditors less than what is actually owed.

Debt poolers, also known as debt adjusters or consolidators, are helpful to consumers, particularly when they are nonprofit organizations that provide their services free or for a reasonable fee. In other cases, however, their usefulness to consumers is lessened when they charge fees that would make it less costly for consumers to make similar arrangements with creditors on their own.

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