Can I negotiate my debt with creditors on my own

[Patrickflow]

Have you been turned down for loans or credit cards due to your high debt-to-income ratio? How can debt consolidation help you to improve your financial standing and increase your chances of getting approved for future credit?

[blicknick]

I often hear from people who fall into the hands of scammers. This applies to online stores, financial companies, and so on. Fraudulent activity is difficult to detect over the Internet, which is why it has become very popular. Yesterday I heard from some people that white mountain partners scam. I can't speak for this company as I have never dealt with them. What do you think about them?