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Where Is The Best Place To Call To Refinance House/ Consolidate Debt?

My husband and I have had a rough time financially in the past year. I am a stay at home mom and my husband makes good money except that he was laid off for most of the last winter and we are having a really hard time catching up and now our credit is not so great because we've been late with so many payments. I tried to get a job too to help but ended up paying more for daycare than I was making. Wondering if anyone knows of a good company to call to help us out with refinance/consolidation

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