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I wish you the best of luck!
Sorry to hear about your situation. If you're struggling, The first step is typically to contact your creditors. In this case, it may be too late, but it wouldn't hurt to reach out to them directly to see if they can work with you to find a solution. If not, I would find a credit counselor associated with the National Foundation for Credit Counseling (www.nfcc.org) and let them help you may out a plan. Generally, they will do this for little or no cost. Good luck!