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Well like so many of us at age 62 now I am one that is approaching the end of a working career top point. Then the jobs that will be available are much lower in salary. I have 45,000 in Credit Card (CC) debt. I have spoken with an attorney and he and I agree I will not have the means to pay it off. We had only a brief conservation and for the past 20years I have made all my payments on time and not used the card in the past 24 months.

A- What are my options?
B- What is the likely hood of the CC organizations doing a given suggestion.
C- What is the down side

I drive a car worth 2,800 dollars and it is paid for. I live have no house payment. My spouse works too and is my age. Her annual income is 30,000 per year. My annual income is 60,000 per year.

D- Will they give me a large break or will I need to erase it all?
Is there a calculation that is used to see what the CC organization can obtain from me Max per month?
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