Creditors MUST FOLLOW THE rules. The counselor tells Sara about the rules. The counselor HELPS sara make a plan to PAY her creditors. The counselor WROTE to the creditors. he ASKS them to APPROVE the plan. The creditors AGREES to the plan. The counselor also HELPS Sara make a budge. They DECIDES on how much money Sara needs to LIVE. Sara HAS TO cut down on some of her expenses. For example, she has TAKEN the bus to work-no more taxis. Sara FELT better. She WILL BE ABLE to pay her creditors if she FOLLOWS the plan
I hope I helped! I might make mistakes on a few of them but here's what I got!
Exclamation: If you're joining two sentences together you need a comma to do so. By placing a comma after "nation" and "then" you are making a run-on sentence.