My rates are really high. Some are over 20%! The minimum payments are high. I'd say $260-400/card. This debt isn't anything that happened overnight. It's been up and down over the past few years and had a snowball effect. I have not looked into hardship programs. Is this the same as consolidation? The $200/month is just an estimate (but I'd say it's pretty close to that). I have missed a couple payments because I've been thinking of settlement or bankruptcy and was going to put my money towards that instead.
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