Francesca should contact credit counseling services and speak with lenders regarding payment difficulties. Establishing a line of credit when necessary is recommended.
Contact credit counseling services would be the best immediate step for Francesca to address her credit card payments as they can provide guidance on managing debt effectively.
Additionally, communicating with lenders about payment difficulties is crucial. Many lenders offer assistance programs to help individuals facing financial challenges.
Establishing a line of credit can also be beneficial, but only borrowing when necessary to avoid unnecessary debt.
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