Before COVID-19, many American households were just barely keeping their heads above water with debt, and now many are drowning. The impact to the economy has resulted in lost jobs and savings, and many are on the verge of eviction or foreclosure. Some of you reading this may be challenged with making some tough decisions right now, and you're struggling to figure out how you are going to take care of your families. As you consider what your next step will be, I would like to