You might want to borrow from any life insurance policies you might have and use that to pay off a card or stagger the use of that money to pay the monthly amounts plus extra (more than the minimum) so you don't have to use your regular monthly income to apply to that debt. This could buy you some time until you can go back to your financial institution and show them what you have done to cut into your debt load.This could help change their mind about not helping you. Make them part of your team... not the one you're playing against.
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