If u are in big debt go to
http://suzeorman.com/ or watch her on MSNBC, she explains thing very nicely. Did u know u can have your cc collection agency reduce your debt? So it is possible you can just pay them say 2K and they'll write off your 10K debt. See the link I gave you if u are in debt.
A friend of mine wrote off 37K debt for just 13K. He's buying me lunch everyday now for helping him
