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We relinquished our vehicle in Feb 2009 (in Pennsylvania), due to being unable to pay for it due to accident a year earlier; resulting in one income for family. It was processed and put against us in...

My husband had Lowe's card in which I was 2ndary on. He was badly hurt in an auto accident (not his fault) in March 2008. We paid on everything until Jan 2009. Prior to that we had tried to work...