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(Chicago Sun Times) — Judy Meredith was working two jobs when her work hours were cut and her income plunged 40 percent. Facing mounting credit-card debts and seeing no immediate way out, she filed for bankruptcy.

“Once my income fell, I started robbing Peter to pay Paul by using credit cards, and it got out of hand,” said Meredith, a Morgan Park resident whose adult daughter is living with her to help pay expenses.

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