Household debt levels remain at record highs right now, with credit card balances hovering above $1.23 trillion and average credit card APRs still north of 21% . At the same time, inflation has started to rise rapidly, putting additional pressure on borrowers' monthly budgets, many of which were already stretched thin by growing debt balances and compounding interest charges . For many borrowers, that combination is prompting them to take a closer look at what debt relief programs offer as a

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