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what action for high credit card debt affects the credit the least adverse way?
We have a high debt ratio with the credit cards. The husband died two years ago thus his income is gone. She is making 10K less than she did with the old job she had when she moved North to take care of elderly Mom. There are several ways to handle credit card debt but which one is best to keep the better credit score she once had. BK? Debt consolidation? Repayment plan?

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