Many Americans are struggling to keep up with their bills, with 37% incurring late fees in the past 12 months. These fees include 21% for credit cards, 10% for utility bills, and 8% for rent. Late payments can negatively impact credit reports, lead to utility service shutdowns, and vehicle repossessions. In case of financial difficulties, it's advisable to promptly communicate with creditors to request fee waivers or enroll in hardship programs. Seeking forgiveness can often be helpful, as unexpected life events happen to everyone.
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