$ 40,000 credit
card debt - Turning 58 - Have good paying job - Faced recent financial challenges (medical / family assistance) over last 5 months - Have 10 credit
cards (3 with high balances, $ 15,000, $ 9,000 and $ 8,000)- Late payments only to the above 3 credit
card accounts (3
mos, 2
mos, 1 month)- Made recent payments to 3 credit
card accounts to bring accounts to temporary favorable status - Mortgage current - Completed graduate degree but left to pay last year out of pocket when reimbursement program was greatly reduced - Consulted with debt management counselor to go
on budget and work with creditors to be paid out of a
single monthly payment.