what credit group u think is best out there to help me with my high bill if am realy in connection?

1) I believe you mean collections. Depending upon the amount of the total debt would determine who to use. Many people like using credit card counseling agencies such as http://www.debtwave.com for debt amounts less than 10 thousand dollars. If you have accumulated more debt than that you may want to look into bankruptcy. If you are looking to avoid debt settlement then your best bet would be debt settlement..

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