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How Do We Work With Credit Companies

The company I worked for went out of business at the end of the year and my husband's work hours were cut in half. We fell behind on our 4-wheeler payments to HBSC Services. We were sending in payments of what we could afford and they just kept adding on late fees and penalties. We have tried to call them multiple times to ask them for help and they refuse? We have worked to hard to get good credit. How can we fix this?


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