A state compliant and authorized agency to contact creditors for those struggling with credit card debt. This program may be able to arrange for reductions in interest rates, waive late fees, back interest, and in some cases reduce principal balances. Clients may choose to enroll in a debt management program and make one payment per month which is disbursed to creditors. Program typically saves clients hundreds of dollars a month. More info can be found at https://careconnectusa.org/debt-relief-help-line/