Wow I love this board. About 1 year ago I called all my credit card companies asking for a lower rate on my credit card balances. Most did little to nothing in helping me lower insanely high rates. With the recent credit crunch, I called back in April 2008. Guess what? ALL OF MY CREDIT CARD COMPANIES...

I received this question from a DebtIntoWealth client... "Dear Greg, I got the package. My husband and I are already using your debt calculator online. We are in the boat of the fella that said, "if I can't use my credit card then I don't have any money." We have been going over...