debt refinancing 2025-11-16T12:46:25Z

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Rain lashed against my home office window as I shredded yet another credit card statement, the paper cuts on my fingers nothing compared to the financial hemorrhage. Three maxed-out cards, two delinquent loans, and a variable-rate mortgage that kept climbing like ivy on a burning building. That Tuesday evening, I traced the condensation trails on the glass while calculating how many months until foreclosure - twelve, maybe thirteen if I stopped eating anything but rice. The crushing irony? My gr