I have about 5000.00 in credit card debt. My account was high jacked and some company out of Daytona Beach was billing my debit card monthly, causing my pmts. To bounce. Now they want double payments, which I can’t afford so they tack on extra fees.

I feel like I’m drowning. I disputed these charges and they are returning money slowly. I get a check once a month on disability because of a broken back ( chronic fracture) my credit score in the 500 range and no body wants to give me a loan. Any advice?

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