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Step four now you are starting your payment plan you should contact your lenders and creditors and find out if you can improve your teams of your debt like lower the interest rates or maybe reduced settlement on your debts. You can also think about moving some of credit cards debts to a credit card with a lower interest rate just make sure you keep you balances below 35% of the credit limits to avoid damaging your credit score or you could look into getting a person loan to consolidating all of your debts.