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Credit Counseling, Debt Management | InCharge Debt Solutions. Nonprofit and works with credit issuers and its clients. They will assess situation and if bankruptcy only option, it will advise. They can negotiate on your granddaughter’s behalf to lower interest and consolidate into one monthly payment based on income. Please stay away from the shady debt relief places. InCharge is much better solution than bankruptcy. Certified counselors who can also help answer questions on bankruptcy as last resort. Good luck.