bogsy - thanks for sharing this thing really helps me a lot.

jdmanuel - nice info! see mine too; http://www.destroydebt.com/blogs/jdmanuel/2007-online-money-ventures.html

djonghs - Cool advise, but it look like wont work for me.

- This is something I can definitely relate to. Thanks for the help!

aliaslucs - thank you for this very helpful information.

- :¦:-•:*'""*:•.-:¦:-Thank you >^..^< Great Review!!! -:¦:-•:*””'*•-:|:-

- GREAT info!!!  I tried to do it on my own, but success was hit and miss.  Through a friend...I found a company who works with attorneys to assist people in taking back their financial control and educating them in changing and being aware of their behavior to attract financial $UCCESS.  They really helped me and were a God-send!!!  See more of my story on my blog http://mypersonalbailoutplan.wordpress.com.

shinkai03 - I agree! You must not take unnecessary things, Great article!

wonderful1 - Thanks for the information. Calling creditors? i had never thought of it.and I don't think it will work in my country, I have a house-loan, and the bank holds property ownership certificate so it doesn't worry about debt back.

If you can't take debt back in time, what will happen ?

- This was actually very informative thank you.  I have tried calling my credit card companies and in the past I have been successful in getting my interest rates lowered but have not been as of lately. But I never thought to ask for a supervisor so I will try again.  I know about the snowball method and totally understand how to implament it, the tricky thing for me is being able to do so.  But thank you for this information.