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Well all my debts were DC in BK in October...just couldn't keep up anymore. I filed solo.
I did call Citi on Hubbies card and they reduced the APR from 29.99 to 14.99!!!! He'd had the 29.99 as a penalty for 2.5 years when he was a few days late. Unbelievable that he's been hit with so much interest for so long, that they cut it in HALF!