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It's fun to give gifts to loved ones during the holiday season. Giving a big chunk of your pay to credit card issuers for months or even years afterward, not so much. Piling on high-interest debt is almost an annual tradition for some families, but that can only go on for so long before it catches up with you. We asked a debt management expert to talk to us about ways to dig yourself out if the ...

Is credit counseling right for you?

Credit counseling, debt settlement and debt consolidation are not all the same -- and it's important to know what you're getting when you sign up.