• stop using your credit card when you don't have the money to pay pack
  • Make arrangements. Most creditors will take a token payment, which shows goodwill rather than NO payment, which shows default. If that doesn't work contact a financial affiliate that will be willing to help make arrangements for you. Good luck. In the meantime cut up all your credit cards since you can't afford them. No disrespect meant but credit cards are only good if you can pay them off each month. Otherwise you wind up paying soooo much more than the product you purchased is truly worth. Good luck!

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