23 with ~20k in CC debt

23 with ~20k in CC debt Hi Reddit. So I’m here for any advice I’m 23 from nyc and recently got into some heavy cc debit. Long story short, losing my job and mental health really took its toll on me. I was out of work for 7 months from Oct-April 2023. During those 7 months I was charging everything to credit cards. I had just moved during the summer so I was already low...

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