If you have read this far I hope you have a better night,
The sun is just peeking up where I live. Keep your head up fren.
Don't waste your life or your death. Both are meaningful and have potential to change the world. Everyone can do something positive. Walk along the road and pick up trash.
If you can show hardship the credit card debt can be made in payments. The biggest pain is getting them to shut off more fees and interest while you work on paying. If you tell them you absolutely can not pay they may send it to collections. THOSE people are motivated to settle, and most only buy your principal debt, so they are willing to negotiate. If you get it to collections and then have zero contact with the collections for 7 years you are debt free.
Thanks for that advice and words of encouragement.
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