Credit cards payment are something a lot of folks get in trouble with but are negociable because you don't really have to pay them. A phone call can save you thousands. I have a lot of stuff I really don't need. $47,000 pickup...$32,000 car.....$15,000 boat....$15,000 bike....I'm paying big payments on my house to get it paid off. I only owe on my house and truck. It seems to me that debt free people go through life pinching pennies and don't spend much on anything as they cruise the highways in their chitty chitty bang bangs. Folks that are burried in bills and can't spend any money. Folks that have some bills seem to enjoy life the most.

You have a point there MILDEW, but the main idea behind this program is not for you,not to have toys, the idea is not to pay interest to the scummy banks. They just got done us for how many billions ?? That's where people are getting in trouble, by paying all the interest on credit cards and loans, and rewarding the banks for the use of ther money. People could be using this interest money for their own personal use instead. This way you don't sweat the small stuff in life, because you money on hand to cover them

A couple of weeks ago one of our drivers out of Norfolf sat down at his kitchen table and spread out almost $40k worth of credit card debt bills and then he shot himself in the heart with a .22 mag. His name was Steve L (Hope it's ok for full name here BB if not edit it please)
I've tried to find a link on the net about it but can't so far. But I can tell you it's true because his brother-in-law works at my barn.
I also knew Steve myself and I took a 10 in Norfolf this week and talked to the TM and some other guys about it.
It's a bad deal, Steve was a good guy and had around 15 yrs with us.
Some of you my have known him to, he ran a bid from Norfolk to G-boro and back for years up until this.

Anyways bottom line is large debt has many bad effects on people.

I hear ya rjjr. It's an excellent program. I believe the Bush admin. started this banking mess by allowing nearly anyone to get a loan. It was good while it lasted. Everyone was plum full of debt a few years ago and filling bankruptcy by the millions. Bush got all the finger pointing for the crash. America needed change. Now look what's happening. I hear another stimulas package is being looked into. It aint looking good and I try to look on the brighter side of things.

That's a bad deal kd. $40,000 is a fraction of what some folks have built up. Killing yourself just puts the burden on the next person. I'm bad with names but i'm sure i've met him somewhere. I did a google news search on him myself hoping to find a pic. Couldn't find anything.

Yea mildew there's no doubt you ran across him sometime. He was a workaholic.
He would run extra on the weekends alot.