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They need to track how much money is brought home and where every cent goes. Those who can make it without outside help need to “stop using the cards,” Kidwell said. “Start sending as much as you can to the creditors charging the highest interest rate.”
People who aren’t able to make payments on time should contact creditors before creditors contact them, Woodward said. If people have a repayment proposal that is “reasonable,” the worst the creditor can do is say no and creditors will be less likely to agree to anything if they’ve made the first move.
Beyond that point, people may still need to work with a nonprofit agency such as DCA or Consumer Credit Counseling of America to create a repayment plan.
Typically, such plans consolidate all bills into one and will communicate the payment plan to credit-reporting agencies, such as Equifax, Experian and TRW, and they will note it on the credit report.
But if wages are being garnished and creditors are constantly calling, the last resort may be bankruptcy. Bankruptcy attorneys, such as Woodward, should provide people with
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