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

How does the author's use of hyperbole to characterize jim smily? a) it characterizes smily as an introverted loner who prefers books to people. b) it characterizes smily as a man who is kind and nurturing toward others who are less fortunate. c) it characterizes smily as a man who is evil and vindictive toward any one who crosses his path. d) it characterizes smily as a man who is a risk-taker who willing bets on anything and with anyone.