I owe no one...I was deep in credit card debt....paid it off...now I still have and use credit cards (the cash back cards) pay in full every month and get about a grand back every year...paid the house off before I turned 50...Oh I learned my lesson 1994 bankrupt and 300 dollars in my pocket, I said never again , Had no credit couldn't buy anything and it was the best thing ever. 8 years later bought a house on a 30 yr note paid it off in full in about 5and a half or 6 years. 100% Debt free including the house since 2009 , no phone contracts no payments for anything except utilities.