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what exactly is a credit card hardship program?

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Where can I find guidelines for Obama's mortgage loan modification program?

I was denied over the phone because my income has dropped too low. I don't want to lose my home, any website where it actually lists if my income is a certain level I won't qualify? I can't help I have a lot of debt like credit card and car payments so they said my income had to be double what it actually is right now.

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