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I really want to find a reputable lender have ccj want to consolidate all debt get on feet start new year a fresh someone help that is genuine not yes loans or debt management! !

The local banks or credit unions are your best best. they are reputable. credit unions are more forgiving if you have less than perfect credit. if you have a 680 or above fico (credit score - try your bank first - all national ones - wells fargo, washington mutual, etc...).