Re: HELP! I'm struggling to keep up with my credit...
New Member

Debt management

Another atrocious advice. Bankrupcy? There goes this person's chances to borrow a penny in like 15 yrs. 

Calling your credit card companies is the correct thing to do but here in the US as long as you make a promise to make a monthly payment (even if its a dollar a month), credit companies cannot damage your credit. My advice is to make a monthly budget and divide that amount amongst all of your cards. 

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