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Can you negotiate your debt without a lump sum payment?

Household budgets aren't just being stretched thin by a mix of rising inflation, high borrowing costs and a rough economy right now. They're being completely reshaped in real time. With credit card rates hovering above 21% on average and stubbornly high everyday expenses, many Americans are finding themselves stuck between mounting balances and limited cash flow without room in their finances to cover both. 

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