When Is It Time to Pull the Bankruptcy Trigger?

Recently, it was reported that the average American has $16,000 in credit card debt. While $16,000 doesn't sound like a lot of money, this number was only $4000 in 2008 and you still need to consider the income of the same average American. Four years ago the average was $40,000 a year and now it has declined to $35,000 a year.

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