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This woman wrote to me about her $8,000 credit-card debt. She said she was raised in poverty and worked at a grocery store, so her annual income was likely far less than what you’re earning now.

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Credit card debt forgiveness might be a good idea if you’re struggling to keep up with payments, either because your debt has increased or your income has gone down.

Credit card debt forgiveness might be a good idea if you’re struggling to keep up with payments, either because your debt has increased or your income has gone down.

Credit card debt forgiveness might be a good idea if you're struggling to keep up with payments, either because your debt has increased or your income has gone down.