Hello, I'm on a really rough road here.I know that I am heading for financial difficulty. I have credit card debt coming out of my a** and I've been to the bank and they can't help. I've also tried a debt consolidation place and I was told I'm not in enough trouble. I KNOW I am in trouble. Any advise? I really learned my lesson about credit cards!! I am 28 years old and have a total card debt of about $13,000!!! I guess I am learning the hard way. Any advise is very welcome.John
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