$ 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.