Re: $32K in credit card debt at 28% interest.....
Now that's just stupid. Unless he's got terrible credit, he's got to cut up those cards and consolidate. He shouldn't close the CC accounts though. Leave them open but never use them. It looks much better on your credit report which will allow you to get those consolidation loans.
Hopefully he's got some equity in a home. The first step to getting out of a hole is to stop digging.
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