When times are tough, credit card debt can be unavoidable if you learn how to manage credit or are forced to make risky financial decisions due to hardship.
For Lydia Senn and her husband, who are residents of Alabama, this was their reality during the Great Recession in 2008 after she lost her job and he took a pay cut. They relied on credit cards to get by and racked up about $14,000 in debt.
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