I wish I could have a do-over of the last 3 years of my life. I won’t bore you with all the details but in those 3 years I have accumulated more debt then the average person has during their whole life. Things got bad and then they got worse. I’m finally at a point where I am more or less stable but with all this debt things are looking bleak. I have no idea how I’m going to pay for all of these credit cards for starters. I have 2 of them that the interest rate kicks in next month. I’ve only been making the minimum payments on them and have no way to pay them off. My friend Nathan told me to look into getting some debt help. He said there are programs out there that can help me. I’m going to have to find them or I’m going to find myself living on the streets soon.
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