nachaine kura garcha bahun. Jindagi bhar kehi hudaina. Mero aafnai credit card ko paisa natirera cancel bhako thyo student life ma. Ahile tehi bank ma FTE kam gari rachu. GC bhara yehi citizenship lera basne bhaye ni credit bhannu. Sampurna bro ta TPS ma ho. Bholi cancel bhayo bhane Nepal jana parna sakcha. Aba tehi credit sochera bhako paisa ni sakera k kaam. Debt relief ma kura garda bank scam gareko ni hudaina. Ahile jhan yetro manche haru credit card debt tirna nasakera basi rachan. tyo settlement garde huncha ani lower monthly payment tire huncha. Credit report ma settled bhanera aaucha. That's from my own experience from when I was in college. Rest is up to you. Disclaimer: This is not a legal advice.