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Message: Shares for Debt Exchange Offer

I need some suggestions through this matured website. I am having several debts of around $16K monthly and my annual earning is $320K. One of the bankers asked me to do debt consolidation in order to pay less interest, yes that is a positive side but will it affect my credit score or is this the best option. I would also want to know is there any better solution than this, if so then please do reply on this post.

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