there are other ways like

Lastly, should a business owner still face difficulties due to credit issues then the only step remaining is to eliminate those issues. While bankruptcy and credit counseling will continue to harm your credit after you complete these programs, there are other ways like debt consolidation that can reduce your unsecured debt (including credit card debt) into one, low, affordable payment. Allowing the business owner to free up current cash flow as well as improve their credit scores..

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