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I’m a Doctor secretary for 22 years. On February 2019 I have a surgery of my neck to remove 3 cervical disc. I was out of my job for 3 months.  During this time I tried to pay all my debts but because in that time I was not generate the same salary my debts would be on late fees. In addition the costs of utilities. At this time the alternatives that my creditors have to me it’s no viably to me.  At this moment I paying my debts with late fees.  All the money raised its to used to pay off all the debts. 

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