LIKE A LOT OF AMERICANS,Robert and Jill Proctor of Kansas City,Kan.,are getting hammered by credit-card debt.When Robert lost his job two years ago,the thirty-something couple ran up US35,000 on 10 different cards just to pay everyday expenses like groceries and gas.Even after Robert found work last year as a country club manager,their combined income just covers monthly outlays for two cars,a mortgage,and credit-card bills on top of household expenses.Says Robert,who makes minimum payments on the cards with the biggest balances as he struggles to pay off the smaller ones first:"If they tack on more charges,we'll be stuck"
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