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Households that carried credit card debt last year had balances averaging ,748, according to an annual study by Nerd Wallet, a personal finance website.People whose income and expenses won’t allow them to resolve debt problems through consolidation or credit counseling should consider bankruptcy, says John Rao, an attorney at the National Consumer Law Center.

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The format is interviews with newsmakers, combined with listener phone calls.

A fixed amount of money, up to 100% of your home's value (minus your current mortgage balance), is made available and you can draw from it as needed.

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