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Have you been avoiding your phone at all costs because your creditors are calling at every hour of the day? Does your stomach knot every time you hear that ring? Stop fretting and look into your options to end these phone calls. If you have a great deal of credit debt you have several options. Debt consolidation is done through a third party and combines all of your debts into one payment, often helping you get back on top. An individual voluntary arrangement is also worth looking into. Many creditors like this better than bankruptcy because it is a binding agreement. And as long as you pay the premium, harassing calls are illegal!