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I can't pay my credit cards!
I have a job as a nanny that pays $200/wk - so that's $800/mo. My credit card payments equal to about $500/mo and I have other bills too - Rent, cell phone, utilities, etc.. - that the extra $300 just does not cover. I'm looking for a better job, but in the meantime I don't want to default on my credit cards. I've considered bankruptcy.. do debt relief programs really work or should I go all in?

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