Final answer:
Credit counseling services, Consumer Financial Protection Bureau, Bankruptcy lawyer can help consumers negotiate debt terms.
Explanation:
Credit counseling services can help consumers with excessive debt negotiate with lenders to reduce interest rates and fees. These services provide guidance on debt management, budgeting, and negotiating with creditors to develop repayment plans.
The Consumer Financial Protection Bureau (CFPB) is an agency that oversees financial industries and ensures consumer protection. Consumers can seek assistance from the CFPB to address issues related to debt and financial exploitation.
Seeking help from a bankruptcy lawyer is also an option for consumers facing overwhelming debt. A bankruptcy lawyer can provide legal advice on debt relief options, including bankruptcy filings.
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