Already this year, Kelly, who asked that her last name not be published, has maxed out a credit card and she and her husband have $19,000 worth of credit-card debt hanging over their heads, thanks to a whirlwind six-month move from Towson to Hawaii then back to Arnold. The cost to ship the couple's Jeep to and from the mainland plumped up their credit-card statements to an unmanageable level, she said.
Now they are working hard to pay down what they owe on a five-year,...
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