What if you’ve gone through the first five steps and you can’ t free up enough money to start repaying your debts in a big way? Then you have three choices. You can consider whether the big-ticket items in your life—your home, your cars, private schools—are truly necessary. You can go through your home and your possessions and see if there’s anything of value to sell. You can earn more money, either on your current job or—more likely—by taking on a second one. The other alternatives? Credit counseling and bankruptcy—but you’re not there yet. For now, let’s see what you can accomplish on your own.
Here are some options you may want to consider.
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