What needs to be done but is being overlooked is the interest rates that credit card companies are charging needs to be drastically scaled back.
An example would be if you've got $20,000 owing in credit card debt, your minimum monthly payment would be $1,500 of which $1,100 would be interest charged each month going forward. It will take you a decade plus of payments to pay this debt off and giving you no extra money to spend.
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