I meet someone everyday who is worried about what's going to happen with the market, the economy and just life in general. As a Realtor I find much of my job is simply talking people thru tough times. It is going to get better, just hold on as best you can. there are many places who can help you to consolidate your debt and make you debt free. My opinion, get credit cards under control, you need maybe one or two cards in case of emergency that's it. Everything else use your debit card, if your debit runs dry, so does your spending. Is it just that easy? Yes.

Credit cards are a force that can ruin you, you can walk away from a house, but credit cards will come after you. Open Helocs are now becoming a major issue. If you are in a situation and want to talk and just get some good advice free of charge call or write to me. I am sure by the end of the phone call or email we will have you on the path to recovery.