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“Dear Steve,

My husband and I both work and are doing the best we can. We also have a 2 year old daughter to support. We are just barely making it.

I want to know what we can do about our debts. We both owe money to several credit cards but we are barely making our bills every month. I really want to get them paid off. I have thought about consolidating the debt but because of our bad credit we can’t seem to get any help. Any suggestions?

Tiffany”