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Most recent bank statement Another option might be to negotiate with the creditor or biller about the debt or bill you owe. A smaller repayment amount at the lowest interest rate will not only help make repayment easier, it may also allow you to start saving some money for the next emergency that will come along. Paying your bills on time not only helps you avoid late fees, but it shows your creditors that you are an excellent credit risk, and it keeps your credit rating up. A short-term financial service can help you stay on top of your bills when you're just a little bit short.
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