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People of all ages have debts – the young as well as the old. In fact, the world runs on loans. This means that people are always in debt. There is nothing wrong with having debts as long as you are able to repay your debts.
Unfortunately, you might be in a situation where you have hit retirement and have not been able to repay your debts. Without a regular source of income, you may have difficulties repaying your debts and are looking for the right solution.