This Is Your Brain on 기업신용평가
https://www.evernote.com/shard/s386/sh/1d0d698c-882e-4c3e-5a99-d3f1134f4be4/fb6c9e28785b4fd94ea9d1a1392e3cb2
Your creditors may agree to lower your interest rates and waive certain fees, but check with all your creditors to be sure that they offer the concessions that a credit counseling organization describes to you.