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Even though there are programs out there available to everyone which will assist these for payments, reducing their debt overall, and possibly even forgiveness programs, the card issuers won't share that information with a person. They would rather try to have a way to continue to collect on a debt you are aware you aren't able to pay back. The US financial industry was facing a total collapse after your large investment banks were allowed the actual government to embark using the biggest securities scam historical.