A credit counselor can .
A
negotiate with creditors to lower your interest rate

B
declare bankruptcy for you without your knowledge

C
represent the creditor

D
act on behalf of the creditor

aye how much for a gram of crack my homie jeremy needs it he is a horn dog.

voracity is the noun corresponding to the adjective voracious, which means (1) eager to consume a great amount of food, or (2) marked by an insatiable appetite. veracity is far more common than the rare voracity, so the latter is sometimes used in place of the former.