Close to Bankruptcy

I was never one for managing money, and now I have over $50,000 in
credit card debt plus student loans and car payments. I have been on
several message boards looking for advice and have talked to credit
counseling companies. My friend sent me info about a new financial
makeover show. I called them and they seemed really helpful, but
there's one catch. You have to live in South Florida, and I don't.
But if there are any Floridians out there that want to give it a try,
here is the info they sent me:
Are you in debt? Are financial problems putting a strain on your
relationships? Maybe we can help. A&E will be shooting a financial
makeover show in South Florida. Our experts maybe able to help you get
your life on track. If you are ready to make a change in your life and
get the creditors off your back we want to hear from you. Send an email
to

Re: Close to Bankruptcy

Unfortunately, there really are few options for dealing with debt. One
option is to start spending a lot less and saving a lot more, another
option is to try to renegotiate the debt/terms (possibly through
bankruptcy), and a last option is to increase your income (via
investments or earnings). A credit company really isn't going to do
more than that -- unless they are going to give you a cash prize. You
might try to do the options listed above, by creating a realistic
budget and sticking to it. If you need help sticking to it (i.e., you
need to be held accountable by someone about your spending), you might
enlist the help of a loved one or a pastor.


Best of luck,



Gary Brolis