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The most shocking number, and what keeps me motivated »

There’s a lot of reasons that cause folks to wake up and realize their in debt over their head. For us, my slap in the face was the fact we had so many different credit card bills that I couldn’t keep track of them anymore and started missing payments. I was getting hit with late [...]

Are debt management companies really bad for your credit? »

In October of 2005 we met with a local branch of Consumer Credit Counseling Services because we had balances on a large amount of credit cards, and we found ourselves missing payments once in awhile which was racking up fees and becoming increasingly frustrating. They came up with a plan for a single payment that [...]