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Can't afford to make all our credit card payments
We are over 20,000 in credit card debt. My husband is disabled and needs a transplant. With my income and his social security check we barley make it. We have started to be late on our creditors. We are home owners still paying I'm mortgage and car payment. Can creditors or collections place a lien on our house or garnish my husband's social security income? Don't know what to do with all of these credit card debts!

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