| http://www.w3.org/ns/prov#value | - r credit cards.Account balances and monthly payments on all your other debts such as student loans and car loans.Your most recent income tax return.It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.), if applicable.You can also get free help and housing counseling from a local HUD
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