About 'debt collection guidelines'|IRS Tax Debt and Collection: What Are My Options

About 'debt collection guidelines'|IRS Tax Debt and Collection: What Are My Options

Ｏｕｒ               ｃｕｌｔｕｒｅ               ｈａｓ               ｍａｎｙ               ｏｃｃａｓｉｏｎｓ               ｔｏ               ｓｈｏｗ               ａｐｐｒｅｃｉａｔｉｏｎ               ｔｏ               ｔｈｏｓｅ               ｗｅ               ｗｏｒｋ               ｗｉｔｈ               ａｎｄ               ｌｅａｒｎ               ｆｒｏｍ:               Ｂｏｓｓ'ｓ               Ｄａｙ,               Ｓｅｃｒｅｔａｒｉｅｓ               Ｄａｙ,               Ｔｅａｃｈｅｒ               Ａｐｐｒｅｃｉａｔｉｏｎ               Ｗｅｅｋ,               ａｎｄ               ｏｆｆｉｃｅ               ｒｅｔｉｒｅｍｅｎｔｓ,               ｂｉｒｔｈｄａｙｓ,               ｗｅｄｄｉｎｇｓ               ａｎｄ               ｂａｂｙ               ｓｈｏｗｅｒｓ. Ｈｏｗ               ｄｏ               ｙｏｕ               ｃｈｏｏｓｅ               ｔｈａｔ               ｐｅｒｆｅｃｔ               ｇｉｆｔ? Ｈｏｗ               ｍｕｃｈ               ｍｏｎｅｙ               ａｒｅ               ｙｏｕ               ｓｕｐｐｏｓｅｄ               ｔｏ               ｐｕｔ               ｉｎ               ｔｈｅ               ｅｎｖｅｌｏｐｅ? Ａｆｔｅｒ               ｔｅｎ               ｙｅａｒｓ               ｗｏｒｋｉｎｇ               ｉｎ               ａ               ｌａｒｇｅ               ｏｆｆｉｃｅ,               Ｉ'ｖｅ               ｄｅｖｅｌｏｐｅｄ               ｓｏｍｅ               ｔｉｐｓ               ｔｏ               ｄｅｃｏｄｅ               ｔｈｅ               ｕｎｓｐｏｋｅｎ               ｒｕｌｅｓ               ｏｆ               ｗｏｒｋｐｌａｃｅ               ｇｉｆｔ-ｇｉｖｉｎｇ.                Ｗｈｏ?                Ｙｏｕｒ               ｆｉｒｓｔ               ｓｔｅｐ               ｉｓ               ｔｏ               ａｓｓｅｓｓ               ｔｈｅ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｙｏｕ               ｈａｖｅ               ｗｉｔｈ               ｔｈｉｓ               ｐｅｒｓｏｎ. Ｙｏｕ               ｍａｙ               ｈａｖｅ               ｗｏｒｋｅｄ               ｃｌｏｓｅｌｙ               ｗｉｔｈ               ｓｏｍｅｏｎｅ               ｆｏｒ               20               ｙｅａｒｓ               ａｎｄ               ｐｌａｙ               ｃａｒｄｓ               ｗｉｔｈ               ｔｈｅｍ               ｏｎ               ｔｈｅ               ｗｅｅｋｅｎｄ,               ｏｒ               ｙｏｕ               ｍａｙ               ｈａｖｅ               ｔｏ               ｌｏｏｋ               ｔｈｅｍ               ｕｐ               ｉｎ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｐｈｏｎｅ               ｌｉｓｔ               ｔｏ               ｋｎｏｗ               ｗｈｏ               ｔｈｅｙ               ａｒｅ. Ｓｏｍｅｏｎｅ               ｙｏｕ               ａｒｅ               ｎｏｔ               ｃｌｏｓｅ               ｗｉｔｈ               ｐｅｒｓｏｎａｌｌｙ               ｍｉｇｈｔ               ｂｅ               ｕｎｃｏｍｆｏｒｔａｂｌｅ               ａｃｃｅｐｔｉｎｇ               ａ               ｍｏｒｅ               ｅｘｐｅｎｓｉｖｅ               ｇｉｆｔ               ｆｒｏｍ               ｙｏｕ. Ｉｔ               ｍａｙ               ｃｏｍｅ               ａｃｒｏｓｓ               ａｓ               ａｎ               ａｔｔｅｍｐｔ               ｔｏ               ｆｏｒｃｅ               ａ               ｍｏｒｅ               ｉｎｔｉｍａｔｅ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｂｅｔｗｅｅｎ               ｙｏｕ,               ａｎｄ               ｐｕｔ               ｔｈｅ               ｐｅｒｓｏｎ               ｉｎ               ａ               ｖｅｒｙ               ａｗｋｗａｒｄ               ｓｉｔｕａｔｉｏｎ. Ｔｈｅｙ               ｈａｖｅ               ｔｏ               ｅｉｔｈｅｒ               ｒｅｔｕｒｎ               ｔｈｅ               ｇｉｆｔ               ｏｒ               ａｃｃｅｐｔ               ａｎ               ｕｎｓｏｌｉｃｉｔｅｄ               ｓｏｃｉａｌ               ｄｅｂｔ.                Ｈｏｗ               Ｍｕｃｈ?                Ｇｅｎｅｒａｌｌｙ,               ａ               ｇｉｆｔ               ｏｖｅｒ               $50               ｆｒｏｍ               ａｎ               ｉｎｄｉｖｉｄｕａｌ               ｔｏ               ａ               ｃｏ-ｗｏｒｋｅｒ,               ｔｅａｃｈｅｒ               ｏｒ               ｓｔｕｄｅｎｔ               ｉｓ               ｅｘｃｅｓｓｉｖｅ. Ｔｈｅｒｅ               ｍａｙ               ｂｅ               ａ               ｗｏｒｋｐｌａｃｅ               ｗｈｅｒｅ               ｕｎｕｓｕａｌｌｙ               ｅｘｐｅｎｓｉｖｅ               ｇｉｆｔｓ               ａｒｅ               ｔｈｅ               ｎｏｒｍ,               ｂｕｔ               ｙｏｕ               ｃａｎ               ｆｉｎｄ               ｏｕｔ               ｆａｉｒｌｙ               ｅａｓｉｌｙ               ｆｒｏｍ               ｙｏｕｒ               ｃｏ-ｗｏｒｋｅｒｓ               ｉｆ               ｔｈｉｓ               ｉｓ               ｓｏ. Ｉｎ               ｍｏｓｔ               ｃａｓｅｓ,               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｓｃａｌｅ               ａｐｐｌｉｅｓ               ｔｏ               ｇｉｆｔ-ｇｉｖｉｎｇ:                               $0:               Ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｋｎｏｗ               ｔｈｅ               ｐｅｒｓｏｎ               ａｔ               ａｌｌ               ａｎｄ               ｈａｖｅ               ｎｅｖｅｒ               ｉｎｔｅｒａｃｔｅｄ               ｗｉｔｈ               ｔｈｅｍ,               ｉｔ               ｉｓ               ｐｅｒｆｅｃｔｌｙ               ａｃｃｅｐｔａｂｌｅ               ｔｏ               ｇｉｖｅ               ｎｏｔｈｉｎｇ. Ｅｖｅｎ               ｔｈｏｕｇｈ               ｔｈｅｙ               ｗｏｒｋ               ａｔ               ｔｈｅ               ｓａｍｅ               ｃｏｍｐａｎｙ,               ａ               ｔｏｔａｌ               ｓｔｒａｎｇｅｒ               ｉｓ               ａ               ｔｏｔａｌ               ｓｔｒａｎｇｅｒ. Ｉｆ               ｔｈｅ               ｃｕｌｔｕｒｅ               ｉｎ               ｙｏｕｒ               ｏｆｆｉｃｅ               ｍａｋｅｓ               ｉｔ               ａ               ｔｒａｄｉｔｉｏｎ               ｆｏｒ               ｅｖｅｒｙｏｎｅ               ｔｏ               ｇｉｖｅ,               ｈｏｗｅｖｅｒ,               ｙｏｕ               ｃａｎ               ｃｈｏｏｓｅ               ｔｏ               ｔｈｒｏｗ               ｉｎ               ａ               ｓｍａｌｌ               ａｍｏｕｎｔ               ｆｏｒ               ｔｈｅ               ｓａｋｅ               ｏｆ               ｇｏｏｄ               ｗｉｌｌ.                                              $0-$5.00:               Ｉｆ               ｙｏｕｒ               ｏｎｌｙ               ｉｎｔｅｒａｃｔｉｏｎ               ｉｓ               ｔｏ               ｓａｙ               ｈｅｌｌｏ               ｉｎ               ｔｈｅ               ｈａｌｌｗａｙ,               ｔｈｅｎ               ｉｔ               ｉｓ               ａｐｐｒｏｐｒｉａｔｅ               ｔｏ               ｇｉｖｅ               ａ               ｔｏｋｅｎ               ｇｉｆｔ. Ｔｈｉｓ               ｃａｎ               ｂｅ               ａ               ｆｅｗ               ｄｏｌｌａｒｓ               ｔｏｗａｒｄｓ               ａ               ｇｒｏｕｐ               ｇｉｆｔ               ｆｒｏｍ               ｔｈｅ               ｏｆｆｉｃｅ,               ｏｒ               ａ               ｓｉｍｐｌｙ               ａ               ｃｏｎｇｒａｔｕｌａｔｏｒｙ               ｅ-ｍａｉｌ. Ｔｈｉｓ               ｉｓ               ａｌｓｏ               ａ               ｇｏｏｄ               ｌｅｖｅｌ               ｆｏｒ               ａ               ｑｕｉｃｋ               ｔｈａｎｋ-ｙｏｕ               ｇｉｆｔ               ｆｏｒ               ｈｅｌｐ               ｏｎ               ａ               ｍｉｎｏｒ               ｐｒｏｊｅｃｔ.                                                              $5.00-$10.00:               Ｉｆ               ａ               ｐｅｒｓｏｎ               ｉｓ               ａ               ｃｏ-ｗｏｒｋｅｒ               ｙｏｕ               ｉｎｔｅｒａｃｔ               ｗｉｔｈ               ｒｅｇｕｌａｒｌｙ               ｏｒ               ｈａｖｅ               ｎｏｎ-ｗｏｒｋ-ｒｅｌａｔｅｄ               ｅｘｃｈａｎｇｅｓ               ｗｉｔｈ               (ｉ.ｅ. ｙｏｕ               ｃｈａｔ               ａｔ               ｌｕｎｃｈ,               ｏｒ               ｆｏｒｗａｒｄ               ｔｈｅ               ｏｃｃａｓｉｏｎａｌ               ｅ-ｍａｉｌ               ｊｏｋｅ)               ｔｈｅｎ               ｓｔｉｃｋ               ａ               ｆｅｗ               ｍｏｒｅ               ｂｕｃｋｓ               ｉｎ               ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ｅｎｖｅｌｏｐｅ,               ｂｕｙ               ｔｈｅｍ               ｌｕｎｃｈ,               ｏｒ               ｓｐｒｉｎｇ               ｆｏｒ               ａ               ｇｒｅｅｔｉｎｇ               ｃａｒｄ. Ｉｆ               ｔｈｅ               ｐｅｒｓｏｎ               ｉｓ               ｃｌｏｓｅ               ｂｕｔ               ｗｉｌｌ               ｂｅ               ｇｅｔｔｉｎｇ               ｍａｎｙ               ｓｍａｌｌ               ｇｉｆｔｓ,               ｓｕｃｈ               ａｓ               ａ               ｆｉｒｓｔ               ｇｒａｄｅ               ｔｅａｃｈｅｒ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅ               ｓｃｈｏｏｌ               ｙｅａｒ,               ｔｈｅｎ               ｔｈｉｓ               ａｍｏｕｎｔ               ｉｓ               ａｐｐｒｏｐｒｉａｔｅ               ｆｏｒ               ｅａｃｈ               ｇｉｆｔ.                                                              $10.00-$20.00:               Ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               ｃｌｏｓｅ               ｗｏｒｋｉｎｇ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｗｉｔｈ               ａ               ｐｅｒｓｏｎ,               ｓｕｃｈ               ａｓ               ａ               ｄｉｒｅｃｔ               ｓｕｐｅｒｖｉｓｏｒ,               ａｓｓｉｓｔａｎｔ,               ｏｒ               ｍｅｎｔｏｒ,               ｉｔ               ｃａｌｌｓ               ｆｏｒ               ｙｏｕ               ｔｏ               ｇｉｖｅ               ａ               ｌｉｔｔｌｅ               ｍｏｒｅ. Ｌｅａｎ               ｔｏｗａｒｄｓ               ｔｈｅ               ｈｉｇｈ               ｅｎｄ               ｏｆ               ｔｈｅ               ｓｃａｌｅ               ｉｆ               ｙｏｕ               ａｒｅ               ｔｈｅ               ｐｅｒｓｏｎ'ｓ               ｓｕｐｅｒｖｉｓｏｒ               ａｎｄ/ｏｒ               ｙｏｕ               ｍａｋｅ               ｃｏｎｓｉｄｅｒａｂｌｙ               ｍｏｒｅ               ｍｏｎｅｙ               ｔｈａｎ               ｔｈｅｙ               ｄｏ,               ｂｕｔ               ｓｔａｙ               ｗｉｔｈｉｎ               ｔｈｅ               ｂｏｕｎｄｓ               ｓｏ               ａｓ               ｔｏ               ｎｏｔ               ｈｉｇｈｌｉｇｈｔ               ｔｈｅ               ｉｎｃｏｍｅ               ｄｉｓｐａｒｉｔｙ.                                                              $20.00               ｔｏ               $50.00:               Ａ               ｇｉｆｔ               ｆｏｒ               ａｎ               ｅｘｔｒａｏｒｄｉｎａｒｙ               ｅｖｅｎｔ,               ｓｕｃｈ               ａｓ               ａ               ｔｈａｎｋ               ｙｏｕ               ｇｉｆｔ               ｆｏｒ               ａ               ｔｈｅｓｉｓ               ａｄｖｉｓｏｒ               ｏｎ               ｇｒａｄｕａｔｉｏｎ,               ｏｒ               ａ               ｒｅｔｉｒｅｍｅｎｔ               ｇｉｆｔ               ｆｏｒ               ａ               ｌｏｎｇ-ｔｅｒｍ               ｂｏｓｓ               ｏｒ               ａｓｓｉｓｔａｎｔ               ｗｉｔｈ               ｗｈｏｍ               ｙｏｕ               ｈａｖｅ               ｗｏｒｋｅｄ               ｃｌｏｓｅｌｙ. Ｃｏｎｓｉｄｅｒ               ｐｏｏｌｉｎｇ               ｒｅｓｏｕｒｃｅｓ               ｗｉｔｈ               ｏｔｈｅｒｓ               ｆｏｒ               ａ               ｌａｒｇｅｒ               ｇｒｏｕｐ               ｇｉｆｔ,               ｉｆ               ｐｏｓｓｉｂｌｅ.                Ｏｆ               ｃｏｕｒｓｅ,               ｉｆ               ｙｏｕ               ｃａｎ               ｈｏｎｅｓｔｌｙ               ｎｏｔ               ａｆｆｏｒｄ               ｔｏ               ｇｉｖｅ               ａｎｙｔｈｉｎｇ,               ｔｈｅｎ               ｙｏｕ               ｃａｎｎｏｔ. Ｙｏｕ               ｃａｎ               ｇｉｖｅ               ｔｈｅ               ｇｉｆｔ               ｏｆ               ｔｉｍｅ               ａｎｄ               ｅｆｆｏｒｔ               ｉｎｓｔｅａｄ,               ｉｎ               ｐｒｏｐｏｒｔｉｏｎ               ｔｏ               ｔｈｅ               ｖａｌｕｅ               ｏｆ               ｔｈｅ               ｓｃａｌｅ               ａｂｏｖｅ.                Ｗｈａｔ?                Ｉｆ               ｙｏｕ               ｋｎｏｗ               ｔｈａｔ               ｔｈｅ               ｐｅｒｓｏｎ               ｈａｓ               ａ               ｓｐｅｃｉｆｉｃ               ｈｏｂｂｙ               ｏｒ               ｉｎｔｅｒｅｓｔ,               ｔａｋｅ               ｕｐ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ｆｏｒ               ａ               ｇｉｆｔ               ｃａｒｄ               ｆｒｏｍ               ｔｈｅ               ｇｒｏｕｐ,               ｕｎｌｅｓｓ               ｔｈｅｙ               ｈａｖｅ               ｓｐｅｃｉｆｉｃａｌｌｙ               ｒｅｑｕｅｓｔｅｄ               ａｎ               ｉｔｅｍ. Ａｎ               ｏｕｔｄｏｏｒ               ｅｎｔｈｕｓｉａｓｔ,               ｆｏｒ               ｅｘａｍｐｌｅ,               ａｌｒｅａｄｙ               ｈａｓ               ｐｌｅｎｔｙ               ｏｆ               ｃａｍｐｉｎｇ               ｓｕｐｐｌｉｅｓ               ｉｎ               ｙｏｕｒ               ａｐｐｒｏｐｒｉａｔｅ               ｐｒｉｃｅ               ｒａｎｇｅ. Ａｎ               ｏｆｆｉｃｅ               ｃｏｌｌｅｃｔｉｏｎ               ｗｏｕｌｄ               ｙｉｅｌｄ               ｅｎｏｕｇｈ               ｔｏ               ｌｅｔ               ｔｈｅｍ               ｂｕｙ               ｓｏｍｅ               ｓｐｅｃｉａｌｔｙ               ｉｔｅｍ               ｔｈｅｙ'ｖｅ               ｂｅｅｎ               ｌｏｎｇｉｎｇ               ｆｏｒ               (ｌｉｋｅ               ａ               ｎｅｗ               ｔｅｎｔ               ｏｒ               ｋｙａｋ).                Ｄｏｎ'ｔ               ｃｏｎｔｒｉｂｕｔｅ               ｔｏ               ｃｌｕｔｔｅｒ. Ａｖｏｉｄ               ｄｅｃｏｒａｔｉｖｅ               ｉｔｅｍｓ,               ｎｏｖｅｌｔｙ               ｏｒ               ｇａｇ               ｇｉｆｔｓ,               ａｎｄ               ｃｒａｆｔ               ｉｔｅｍｓ               ｔｈａｔ               ｔｈｅ               ｐｅｒｓｏｎ               ｈａｓ               ｎｏｔ               ａｃｔｕａｌｌｙ               ｒｅｑｕｅｓｔｅｄ. Ｌｏｏｋ               ｆｏｒ               ａｌｔｅｒｎａｔｅ               ｖｅｒｓｉｏｎｓ               ｏｆ               ａ               ｇｉｆｔ               ｔｈａｔ               ｐｒｅｖｅｎｔ               ｃｌｕｔｔｅｒ,               ｓｕｃｈ               ａｓ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ｏｆ               ｄｉｇｉｔａｌ               ｐｈｏｔｏｓ               ｉｎｓｔｅａｄ               ｏｆ               ａ               ｆｒａｍｅｄ               ｐｉｃｔｕｒｅ.                Ｇｉｖｅ               ｃｏｎｓｕｍａｂｌｅｓ. Ｌｏｔｉｏｎｓ,               ｃａｎｄｌｅｓ,               ｆｏｏｄ               ａｎｄ               ｄｒｉｎｋ               ｉｔｅｍｓ,               ｓｐａ               ｃｅｒｔｉｆｉｃａｔｅｓ,               ｆｌｏｗｅｒｓ,               ｇｉｆｔ               ｃｅｒｔｉｆｉｃａｔｅｓ               ｏｒ               ｃａｒｄｓ,               ａｎｄ               ｓｉｍｉｌａｒ               ｉｔｅｍｓ               ｓｈｏｗ               ｙｏｕ               ｃａｒｅ               ｗｉｔｈｏｕｔ               ａｄｄｉｎｇ               ｃｌｕｔｔｅｒ               ｔｏ               ｔｈｅｉｒ               ｈｏｍｅ. Ｏｔｈｅｒ               ｏｐｔｉｏｎｓ               ｉｎｃｌｕｄｅ               ｌｕｎｃｈ               ｄｅｌｉｖｅｒｅｄ               ｔｏ               ｔｈｅｉｒ               ｏｆｆｉｃｅ               ｂｙ               ａ               ｌｏｃａｌ               ｒｅｓｔａｕｒａｎｔ,               ｏｒ               ａ               ｇｉｆｔ               ｂａｓｋｅｔ               ｏｆ               ｓｐｅｃｉａｌｔｙ               ｃｏｆｆｅｅ,               ｆｒｕｉｔ,               ｏｒ               ｃｈｏｃｏｌａｔｅ. Ａｌｗａｙｓ               ｃｈｅｃｋ               ｔｏ               ｓｅｅ               ｉｆ               ｔｈｅ               ｐｅｒｓｏｎ               ｈａｓ               ｆｏｏｄ               ｓｅｎｓｉｔｉｖｉｔｉｅｓ               ｂｅｆｏｒｅ               ｇｉｖｉｎｇ               ｓｏｍｅｔｈｉｎｇ               ｅｄｉｂｌｅ. Ａ               ｔｒｅａｔ               ｙｏｕ               ｃａｎ'ｔ               ｈａｖｅ               ｉｓ               ａ               ｔｅｒｒｉｂｌｅ               ｐｒｅｓｅｎｔ. Ｄｏｎ'ｔ               ｏｆｆｅｒ               ｆｏｏｄ               ａｓ               ａｌｌｅｒｇｅｎ-ｆｒｅｅ               ｕｎｌｅｓｓ               ｙｏｕ               ｈａｖｅ               ｔｈｅ               ｔｒａｉｎｉｎｇ               ｏｒ               ｅｘｐｅｒｉｅｎｃｅ               ｔｏ               ｅｖａｌｕａｔｅ               ｗｈｅｔｈｅｒ               ｔｈａｔ               ｆｏｏｄ               ｉｓ               ｔｒｕｌｙ               ｓａｆｅ. Ｃｒｏｓｓ-ｃｏｎｔａｍｉｎａｔｉｏｎ               ｏｆ               ａｌｌｅｒｇｅｎｓ               ｉｓ               ｖｅｒｙ               ｃｏｍｍｏｎ               ｉｎ               ｐｒｅｐａｒｅｄ               ｆｏｏｄ               ａｎｄ               ｃａｎ               ｍａｋｅ               ｓｏｍｅｏｎｅ               ｖｅｒｙ               ｓｉｃｋ.                Ｇｉｖｅ               ｙｏｕｒ               ｔｉｍｅ. Ｂｅｓｉｄｅｓ               ｂａｋｉｎｇ               ｏｒ               ｍａｋｉｎｇ               ａ               ｇｉｆｔ,               ｔｈｅｒｅ               ａｒｅ               ｏｔｈｅｒ               ｇｉｆｔｓ               ｏｆ               ｔｉｍｅ               ｙｏｕ               ｃａｎ               ｇｉｖｅ. Ａ               ｆｒｅｅ               ｃａｒ               ｄｅｔａｉｌｉｎｇ,               ｐｅｔ-ｓｉｔｔｉｎｇ,               ｌａｗｎ-ｍｏｗｉｎｇ,               ｅｔｃ. ｉｓ               ａ               ｇｒｅａｔ               ｗａｙ               ｔｏ               ｇｉｖｅ               ｗｈｅｎ               ｙｏｕ               ｈａｖｅ               ｌｉｔｔｌｅ               ｍｏｎｅｙ,               ｂｕｔ               ｏｆｆｅｒｓ               ｔｈａｔ               ｂｒｉｎｇ               ｙｏｕ               ｔｏ               ｓｏｍｅｏｎｅ'ｓ               ｈｏｍｅ               ａｒｅ               ｏｎｌｙ               ａｐｐｒｏｐｒｉａｔｅ               ｉｆ               ｙｏｕ               ａｌｒｅａｄｙ               ｈａｖｅ               ａ               ｐｅｒｓｏｎａｌ               ｒｅｌａｔｉｏｎｓｈｉｐ. Ｔｏ               ｍａｋｅ               ｉｔ               ｌｅｓｓ               ｐｅｒｓｏｎａｌ,               ｏｆｆｅｒ               ｔｏ               ｃｏｖｅｒ               ｔｈｅｉｒ               ｓｈｉｆｔ,               ｂｒｉｎｇ               ｔｈｅｍ               ａ               ｔａｓｔｙ               ｌｕｎｃｈ               ｆｒｏｍ               ｈｏｍｅ,               ｏｒ               ｔａｃｋｌｅ               ｔｈｅｉｒ               ｆｉｌｉｎｇ               ｂａｃｋｌｏｇ. Ｙｏｕ               ｃｏｕｌｄ               ａｌｓｏ               ｃｏｎｔｒｉｂｕｔｅ               ｂｙ               ｏｆｆｅｒｉｎｇ               ｔｏ               ｃｏｏｒｄｉｎａｔｅ               ｔｈｅ               ｐｏｔｌｕｃｋ               ｆｏｒ               ｔｈｅｉｒ               ｏｆｆｉｃｅ               ｐａｒｔｙ,               ｏｒ               ｔｏ               ｔａｋｅ               ｕｐ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｎｄ               ｐａｓｓ               ａ               ｃａｒｄ               ｆｏｒ               ａ               ｇｒｏｕｐ               ｇｉｆｔ.                Ｗｈｅｎ               ｉｎ               ｄｏｕｂｔ,               ａ               ｈｅａｒｔｆｅｌｔ               ａｎｄ               ｈｏｎｅｓｔ               ｎｏｔｅ               ｓｈｏｗｉｎｇ               ｙｏｕｒ               ａｐｐｒｅｃｉａｔｉｏｎ               ｆｏｒ               ｗｈａｔ               ｔｈｅ               ｐｅｒｓｏｎ               ｄｏｅｓ               ｎｅｖｅｒ               ｇｏｅｓ               ａｍｉｓｓ. Ａ               ｃａｓｕａｌ               ａｃｑｕａｉｎｔａｎｃｅ               ｍａｙ               ｒａｔｅ               ａｎ               ｅ-ｍａｉｌ,               ｂｕｔ               ｃｈｏｏｓｅ               ａｎ               ｏｌｄ               ｆａｓｈｉｏｎｅｄ               ｐａｐｅｒ               ｃａｒｄ               ｔｏ               ｓｈｏｗ               ｔｈｏｕｇｈｔｆｕｌｎｅｓｓ               ｔｏ               ｓｏｍｅｏｎｅ               ｙｏｕ               ｗｏｒｋ               ｃｌｏｓｅｌｙ               ｗｉｔｈ.                Ｇｉｆｔ               ｇｉｖｉｎｇ               ｃａｎ               ｂｅ               ａ               ｈｉｇｈ-ｓｔａｋｅｓ               ｓｏｃｉａｌ               ｅｖｅｎｔ               ｗｉｔｈ               ｕｎｓｐｏｋｅｎ               ｒｕｌｅｓ               ｉｎ               ａｎ               ｏｆｆｉｃｅ               ｏｒ               ｓｃｈｏｏｌ               ｓｅｔｔｉｎｇ. Ｗｈｉｌｅ               ｙｏｕｒ               ｐａｒｔｉｃｕｌａｒ               ｏｆｆｉｃｅ               ｃｕｌｔｕｒｅ               ｍａｙ               ｈａｖｅ               ｖａｒｉａｔｉｏｎｓ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｋｎｏｗ               ａｂｏｕｔ,               ｉｎ               ｍｏｓｔ               ｃａｓｅｓ               ｔｈｅｓｅ               ｓｉｍｐｌｅ               ｇｕｉｄｅｌｉｎｅｓ               ｗｉｌｌ               ｌｅｔ               ｙｏｕ               ｆｉｇｕｒｅ               ｏｕｔ               ａｐｐｒｏｐｒｉａｔｅ               ｌｅｖｅｌｓ               ｏｆ               ｇｉｆｔ-ｇｉｖｉｎｇ               ｉｎ               ｔｈｅ               ｗｏｒｋｐｌａｃｅ.

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debt collection guidelines

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Collections Guidelines Debt Collector Guidelines Bill Collection Rules Act Collection Company Debt Collection Handbook FDCPA Guidelines 2011 ACCC Debt Bill Collector Harassment at Work

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About 'refinancing debt'|Debt Consolidation Mortgage Refinance

About 'refinancing debt'|Debt Consolidation Mortgage Refinance

Ｉｆ               ｙｏｕ               ｈａｖｅ               ａｌｒｅａｄｙ               ａｍａｓｓｅｄ               ａ               ｆａｉｒ               ａｍｏｕｎｔ               ｏｆ               ｄｅｂｔ               ｙｏｕ               ｍａｙ               ｔｈｉｎｋ               ｙｏｕ               ｃａｎ'ｔ               ｇｅｔ               ｏｕｔ               ｆｒｏｍ               ｕｎｄｅｒ               ｉｔ,               ｂｕｔ               ｙｏｕ               ｃａｎ. Ｉｔ               ｗｉｌｌ               ｎｏｔ               ｂｅ               ｅａｓｙ               ａｎｄ               ｉｔ               ｗｉｌｌ               ｔａｋｅ               ｓｏｍｅ               ｔｉｍｅ               ｂｕｔ               ｙｏｕ               ｃａｎ               ｄｏ               ｉｔ. Ｙｏｕ               ｎｅｅｄ               ｔｏ               ｄｅｖｅｌｏｐ               ａ               ｐｌａｎ               ａｎｄ               ｓｔｉｃｋ               ｔｏ               ｉｔ               ｔｏ               ｓｅｅ               ｐｒｏｇｒｅｓｓ,               ｂｕｔ               ｏｎｃｅ               ｙｏｕ               ｓｔａｒｔ               ｔｏ               ｓｅｅ               ｐｒｏｇｒｅｓｓ               ｙｏｕ               ｗｉｌｌ               ｓｅｅ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｇｅｔ               ｏｕｔ               ｏｆ               ｄｅｂｔ               ａｎｄ               ｓｔａｙ               ｏｕｔ               ｏｆ               ｄｅｂｔ               ｏｎｃｅ               ａｎｄ               ｆｏｒ               ａｌｌ. Ｍａｋｅ               ｄｅｂｔ               ｃｏｎｓｏｌｉｄａｔｉｏｎ               ａｎｄ/ｏｒ               ｃｒｅｄｉｔ               ｃｏｕｎｓｅｌｉｎｇ               ａｓ               ｙｏｕｒ               ｆｉｒｓｔ               ｒｅｓｏｒｔ. Ｌｅａｒｎｉｎｇ               ｈｏｗ               ｔｏ               ｍａｎａｇｅ               ｙｏｕｒ               ｍｏｎｅｙ               ｏｎ               ｙｏｕｒ               ｏｗｎ               ｓｈｏｕｌｄ               ｂｅ               ｙｏｕｒ               ｇｏａｌ. Ｔｈｉｓ               ｗｉｌｌ               ｈｅｌｐ               ｙｏｕ               ｓｔａｙ               ｏｕｔ               ｏｆ               ｄｅｂｔ               ａｎｄ               ａｖｏｉｄ               ｆｉｎａｎｃｉａｌ               ｐｒｏｂｌｅｍｓ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ. Ｔｈｅ               ｔｙｐｉｃａｌ               ｐｌａｎ               ｗｉｌｌ               ｃｏｎｓｉｓｔ               ｏｆ               ｓｅｖｅｒａｌ               ｓｔｅｐｓ               ｔｈａｔ               ｗｉｌｌ               ｌｅａｄ               ｔｏ               ｇｅｔｔｉｎｇ               ｏｒｇａｎｉｚｅｄ               ａｎｄ               ｔａｋｉｎｇ               ａｃｔｉｏｎ               ｔｏ               ｒｅｄｕｃｅ               ｙｏｕｒ               ｄｅｂｔｓ               ｉｎ               ａ               ｓｙｓｔｅｍａｔｉｃ               ｗａｙ. Ｆｉｒｓｔ               ｓｔｅｐ               ｉｓ               ｔｏ               ｗｒｉｔｅ               ｄｏｗｎ               ａｌｌ               ｙｏｕ'ｒｅ               ｓｐｅｎｄｉｎｇ. Ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｗｒｉｔｅ               ｄｏｗｎ               ｅｖｅｒｙｔｈｉｎｇ               ｙｏｕ               ｗｏｎ'ｔ               ｋｎｏｗ               ｗｈｅｒｅ               ａｌｌ               ｙｏｕｒ               ｍｏｎｅｙ               ｇｏｅｓ. Ａｆｔｅｒ               ｙｏｕ               ｄｏ               ｔｈｉｓ               ｆｏｒ               ａ               ｗｈｉｌｅ               (ｕｓｕａｌｌｙ               ｔｗｏ               ｏｒ               ｔｈｒｅｅ               ｍｏｎｔｈｓ)               ｙｏｕ               ｗｉｌｌ               ｂｅ-ａｂｌｅ               ｔｏ               ｔｅｌｌ               ｗｈｅｒｅ               ｙｏｕｒ               ｍｏｎｅｙ               ｉｓ               ｇｏｉｎｇ               ａｎｄ               ｓｅｅ               ｈｏｗ               ｙｏｕ               ｃａｎ               ａｄｊｕｓｔ               ｙｏｕｒ               ｓｐｅｎｄｉｎｇ               ｈａｂｉｔｓ               ｔｏ               ｅｌｉｍｉｎａｔｅ               ｔｈｉｎｇｓ               ｔｈａｔ               ａｒｅ               ｎｏｔ               ａｂｓｏｌｕｔｅｌｙ               ｎｅｃｅｓｓａｒｙ.                Ｔｈｅ               Ｓｅｃｏｎｄ               ｓｔｅｐ               ｉｓ               ｔｏ               ｄｅｖｅｌｏｐ               ａ               ｂｕｄｇｅｔ               ｗｈｅｒｅ               ｙｏｕ               ｐｒｉｏｒｉｔｉｚｅ               ａｎｄ               ｐｌａｎ               ｙｏｕｒ               ｓｐｅｎｄｉｎｇ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｙｏｕｒ               ｅｓｓｅｎｔｉａｌ               ｂｉｌｌｓ               ａｒｅ               ｐａｉｄ               ｆｉｒｓｔ               ｅａｃｈ               ｐａｙ               ｄａｙ. Ｔｈｅｎ               ｗｉｔｈ               ａｎｙ               ｍｏｎｅｙ               ｌｅｆｔ               ｙｏｕ               ｐａｙ               ｔｈｅ               ｒｅｓｔ               ｏｆ               ｔｈｅ               ｂｉｌｌｓ               ａｃｃｏｒｄｉｎｇ               ｔｏ               ｙｏｕｒ               ｐｒｉｏｒｉｔｙ               ｌｉｓｔ. Ｄｅｖｅｌｏｐ               ａ               ｓｐｒｅａｄｓｈｅｅｔ               ｗｉｔｈ               ａｌｌ               ｏｆ               ｙｏｕｒ               ｄｅｂｔｓ               ａｎｄ               ｍｏｎｔｈｌｙ               ｂｉｌｌｓ               ｏｎ               ｉｔ               ａｎｄ               ａｌｌ               ｐｅｒｔｉｎｅｎｔ               ｉｎｆｏｒｍａｔｉｏｎ,               ｓｕｃｈ               ａｓ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ. Ｃａｔｅｇｏｒｉｚｅ               ｔｈｅ               ｓｐｒｅａｄ               ｓｈｅｅｔ               ｆｒｏｍ               ｈｉｇｈｅｓｔ               ｐｒｉｏｒｉｔｙ               ｔｏ               ｌｏｗｅｓｔ               ｐｒｉｏｒｉｔｙ               ａｎｄ               ｍａｋｅ               ｙｏｕｒ               ｐａｙｍｅｎｔｓ               ａｃｃｏｒｄｉｎｇｌｙ.                Ｔｈｅ               ｔｈｉｒｄ               ｓｔｅｐ               ｉｓ               ｔｏ               ｓｔｏｐ               ｉｎｃｒｅａｓｉｎｇ               ｙｏｕｒ               ｄｅｂｔ. Ｔｈｅｓｅ               ｓｔｅｐｓ               ｃａｎ               ｂｅ               ａｃｃｏｍｐｌｉｓｈｅｄ               ｓｉｍｕｌｔａｎｅｏｕｓｌｙ               ｙｏｕ               ｍｕｓｔ               ｓｔｏｐ               ｉｎｃｒｅａｓｉｎｇ               ｙｏｕｒ               ｄｅｂｔ               ｒｉｇｈｔ               ａｗａｙ. Ｃｕｔ               ｕｐ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ,               ｍａｙｂｅ               ｋｅｅｐ               ｏｎｅ               ｆｏｒ               ｅｍｅｒｇｅｎｃｉｅｓ. Ｂｙ               ｎｏｔ               ｉｎｃｒｅａｓｉｎｇ               ｙｏｕｒ               ｄｅｂｔｓ               ｙｏｕ               ｗｉｌｌ               ｓｅｅ               ｐｒｏｇｒｅｓｓ               ｉｎ               ｒｅｄｕｃｉｎｇ               ｙｏｕｒ               ｄｅｂｔｓ               ｆａｓｔｅｒ. Ｔｈｅｒｅ               ａｒｅ               ｇｅｎｅｒａｌｌｙ               ｔｈｒｅｅ               ａｐｐｒｏａｃｈｅｓ               ｔｏ               ｐａｙｉｎｇ               ｏｆｆ               ｙｏｕｒ               ｄｅｂｔｓ,               ｐａｙｉｎｇ               ｔｈｅ               ｈｉｇｈｅｓｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｄｅｂｔ               ｆｉｒｓｔ,               ｐａｙｉｎｇ               ｔｈｅ               ｌａｒｇｅｓｔ               ｄｅｂｔ               ｆｉｒｓｔ,               ｐａｙｉｎｇ               ｌｏｗｅｓｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｆｉｒｓｔ. Ｅａｃｈ               ｗｉｌｌ               ｈａｖｅ               ｉｔｓ               ｏｗｎ               ａｄｖａｎｔａｇｅｓ               ｉｎ               ｔｅｒｍｓ               ｏｆ               ｔｈｅ               ｐｒｏｇｒｅｓｓ               ｙｏｕ               ｓｅｅ. Ｉｔ               ｄｏｅｓ               ｎｏｔ               ｍａｔｔｅｒ               ｗｈｉｃｈ               ｏｎｅ               ｙｏｕ               ｕｓｅ               ａｓ               ｌｏｎｇ               ａｓ               ｙｏｕ               ａｒｅ               ｍｅｔｈｏｄｉｃａｌ               ａｎｄ               ｓｔｉｃｋ               ｔｏ               ｙｏｕｒ               ｍｅｔｈｏｄ.                Ｔｈｅ               ｆｏｕｒｔｈ               ｓｔｅｐ               ｉｓ               ｃｕｔ               ａｌｌ               ｕｎｎｅｃｅｓｓａｒｙ               ｉｔｅｍｓ               ｏｕｔ               ｏｆ               ｙｏｕｒ               ｂｕｄｇｅｔ. Ｆｉｎｄ               ａｌｌ               ｏｆ               ｔｈｅ               ａｒｅａｓ               ｏｆ               ｓｐｅｎｄｉｎｇ               ｔｈａｔ               ｙｏｕ               ｄｏｎ'ｔ               ｎｅｅｄ,               ｆｏｒ               ｅｘａｍｐｌｅ,               ｂｒｏｗｎ               ｂａｇ               ｉｔ               ｆｏｒ               ｌｕｎｃｈ               ｉｎｓｔｅａｄ               ｏｆ               ｅａｔｉｎｇ               ｏｕｔ,               ｃａｒ               ｐｏｏｌ               ｔｏ               ｗｏｒｋ               ａｎｄ               ｓｐｌｉｔ               ｃｏｍｍｕｔｉｎｇ               ｃｏｓｔｓ,               ｅｔｃ. Ｗｉｔｈ               ｔｈｅ               ｍｏｎｅｙ               ｙｏｕ               ｓａｖｅ               ｕｓｅ               ｉｔ               ｔｏ               ｓｔａｒｔ               ｐａｙｉｎｇ               ｄｏｗｎ               ｄｅｂｔｓ,               ｓｔａｒｔ               ｗｉｔｈ               ｈｉｇｈ               ｉｎｔｅｒｅｓｔ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ａｎｄ/ｏｒ               ｌｏａｎｓ. Ｔｈｅ               ｍｏｒｅ               ｐｒｉｎｃｉｐｌｅ               ｙｏｕ               ｐａｙ               ｅａｃｈ               ｍｏｎｔｈ               ｔｈｅ               ｌｅｓｓ               ｉｎｔｅｒｅｓｔ               ｙｏｕ               ｐａｙ               ｏｖｅｒ               ａｌｌ. Ａｓ               ｙｏｕ               ｐａｙ               ｏｆｆ               ｙｏｕｒ               ｄｅｂｔｓ               ｃａｌｌ               ｔｈｅ               ｃｒｅｄｉｔｏｒ               ｃｏｍｐａｎｙ               ａｎｄ               ｃｌｏｓｅ               ｔｈｅ               ａｃｃｏｕｎｔｓ. Ｉｎ               ｆａｃｔ               ｉｔ               ｉｓ               ａ               ｇｏｏｄ               ｉｄｅａ               ｔｏ               ｃａｌｌ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ａｎｄ               ａｓｋ               ｆｏｒ               ａｎ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｒｅｄｕｃｔｉｏｎ;               ｏｆｔｅｎ               ｔｈｅｙ               ｗｉｌｌ               ｌｏｗｅｒ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ｗａｎｔ               ｙｏｕ               ｔｏ               ｄｅｆａｕｌｔ. Ｙｏｕ               ｍａｙ               ａｌｓｏ               ｃｏｎｓｉｄｅｒ               ａ               ｃｏｎｓｏｌｉｄａｔｉｏｎ               ｌｏａｎ               ｏｒ               ｈｏｍｅ               ｒｅｆｉｎａｎｃｉｎｇ               ｉｆ               ｔｈｅｓｅ               ｏｐｔｉｏｎｓ               ａｒｅ               ａｖａｉｌａｂｌｅ               ａｔ               ｆａｖｏｒａｂｌｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ. Ｙｏｕ               ｕｓｅ               ｔｈｅ               ｐｒｏｃｅｅｄｓ               ｔｏ               ｐａｙ               ｏｆｆ               ａｌｌ               ｄｅｂｔｓ               ｅｘｃｅｐｔ               ｔｈｅ               ｃｏｎｓｏｌｉｄａｔｉｏｎ               ｌｏａｎ               ｏｒ               ｒｅｆｉｎａｎｃｉｎｇ               ｌｏａｎ               ｔｈｅｎ               ｙｏｕ               ｐｕｔ               ａｌｌ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｍｏｎｅｙ               ｉｎｔｏ               ｏｎｅ               ｐａｙｍｅｎｔ.                Ｔｈｅ               ｆｉｆｔｈ               ｓｔｅｐ               ｉｓ               ｔｏ               ｓｔｉｃｋ               ｗｉｔｈ               ｉｔ. Ｏｎｃｅ               ｙｏｕ               ｓｅｅ               ｙｏｕｒ               ｄｅｂｔｓ               ｃｏｍｉｎｇ               ｄｏｗｎ               ａｎｄ               ｒｅａｌｉｚｅ               ｉｔ               ｉｓ               ｐｏｓｓｉｂｌｅ               ｔｏ               ｇｅｔ               ｏｕｔ               ｏｆ               ｄｅｂｔ,               ｄｅｖｅｌｏｐ               ｓｏｍｅ               ｇｏｏｄ               ｍｏｎｅｙ               ｍａｎａｇｅｍｅｎｔ               ｈａｂｉｔｓ               ａｎｄ               ｂｅｆｏｒｅ               ｙｏｕ               ｋｎｏｗ               ｉｔ               ｙｏｕ               ｃａｎ               ｓａｖｅ               ｍｏｎｅｙ               ｆｏｒ               ｔｈｅ               ｆｕｔｕｒｅ               ａｎｄ               ｌｉｖｅ               ｄｅｂｔ               ｆｒｅｅ. Ｉｎ               ｔｈｅｓｅ               ｔｒｏｕｂｌｅｄ               ｅｃｏｎｏｍｉｃ               ｔｉｍｅｓ               ｉｔ               ｉｓ               ａ               ｇｒｅａｔ               ｔｈｉｎｇ               ｔｏ               ｈａｖｅ               ｃｏｎｔｒｏｌ               ｏｖｅｒ               ｙｏｕｒ               ｆｉｎａｎｃｅｓ.

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About 'debt free life'|Debt Free, the Life for Me: Helping Law Enforcement Families Experience Financial Freedom

Ｍａｎｙ               ｍｕｒｄｅｒｓ               ａｒｅ               ｃｏｍｍｉｔｔｅｄ               ａｎｎｕａｌｌｙ               ｄｕｅ               ｔｏ               ａｎｘｉｅｔｙ               ｃａｕｓｅｄ               ｂｙ               ｆｉｎａｎｃｉａｌ               ｄｉｆｆｉｃｕｌｔｉｅｓ. ＤＥＢＴ               ＫＩＬＬＳ! Ｔｈｉｓ               ａｒｔｉｃｌｅ               ｗｉｌｌ               ｆｏｃｕｓ               ｏｎ               ｈｏｗ               ｙｏｕ               ｃａｎ               ａｖｏｉｄ               ｏｖｅｒｓｐｅｎｄｉｎｇ. Ｉｆ               ｙｏｕ'ｒｅ               ａｌｒｅａｄｙ               ｄｒｏｗｎｉｎｇ               ｉｎ               ｄｅｂｔ               Ｉ               ｗｉｌｌ               ｓｈｏｗ               ｈｏｗ               ｙｏｕ               ｃａｎ               ｂｅ               ｆｏｒｅｖｅｒ               ｆｒｅｅ               ｆｒｏｍ               ｔｈｅ               Ｃｒｅｄｉｔ               Ｃａｒｄ               Ｇｒｉｎｃｈ;               ｔｈｏｓｅ               ｆｉｎａｎｃｉａｌ               Ｇｈｏｓｔｓ               ｔｈａｔ               ｈａｖｅ               ｂｉｌｌ               ｃｏｌｌｅｃｔｏｒｓ               ｄｏｇｇｉｎｇ               ｙｏｕ               ａｌｌ               ｈｏｕｒｓ               ｏｆ               ｔｈｅ               ｄａｙ               ａｎｄ               ｎｉｇｈｔ;               ｔｈｅ               ｗｏｌｖｅｓ               ｂｅａｔｉｎｇ               ｄｏｗｎ               ｙｏｕｒ               ｄｏｏｒ               ａｎｄ               ｈｏｗ               ｙｏｕ               ｃａｎ               ｅｘｏｒｃｉｓｅ               ｔｈｏｓｅ               ｄｅｍｏｎｓ               ｏｆ               ｇｒｅｅｄ               ｔｈａｔ               ｃａｎｃｅｒ               ｓｌｏｗｌｙ               ｅａｔｉｎｇ               ｙｏｕ               ｉｎ               ｔｏ               ｍｏｎｅｔａｒｙ               ｍｉｓｅｒｙ. Ｉ'ｍ               ｇｏｉｎｇ               ｔｏ               ｓｈｏｗ               ｙｏｕ               ｈｏｗ               ｔｏ               ｓｅｔ               ｕｐ               ａ               ｓｔｅｐ-ｂｙ-ｓｔｅｐ               ａｕｓｔｅｒｉｔｙ               ｐｒｏｇｒａｍ               ｔｈａｔ               ｗｉｌｌ               ｃａｓｔ               ｏｕｔ               ｔｈｏｓｅ               ｄｅｍｏｎｓ               ｏｆ               ｄｅｂｔ. Ｂｅｃｏｍｉｎｇ               ｄｅｂｔ               ｆｒｅｅ               ｅｍｐｏｗｅｒｓ               ｙｏｕ               ｔｏ               ｔａｋｅ               ｃｈａｒｇｅ               ｏｆ               ｙｏｕｒ               ｆｉｎａｎｃｉａｌ               ｌｉｆｅ. Ｉ               ｗｉｌｌ               ｓｉｔｅ               ｅｘａｍｐｌｅｓ               ｆｒｏｍ               ｍｙ               ｏｗｎ               ｆｉｓｃａｌ               ｓｉｔｕａｔｉｏｎ               ａｎｄ               ｌｅｎｄ               ａｄｖｉｃｅ               ｆｒｏｍ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｄｅｂｔ               ｂｕｓｔｅｒｓ.                Ｗｈｅｎ               Ｉ               ｗａｓ               ａ               ｋｉｄ               Ｉ               ａｌｗａｙｓ               ｈａｄ               ｍｏｒｅ               ｍｏｎｅｙ               ａｎｄ               ｃａｎｄｙ               ｔｈａｎ               ｔｈｅ               ｏｔｈｅｒ               ｋｉｄｓ               ｏｎ               ｍｙ               ｂｌｏｃｋ. Ｍｙ               ｏｗｎ               ｆａｍｉｌｙ               ｎｉｃｋｎａｍｅｄ               ｍｅ               'Ｍｒ. Ｍｃ               Ｍｉｓｅｒ'               ａｆｔｅｒ               ａ               Ｔｏｍ               &               Ｊｅｒｒｙ               ｃａｒｔｏｏｎ               ｃｈａｒａｃｔｅｒ               ｏｆ               ｔｈｅ               1950'ｓ. Ｇｒｏｗｉｎｇ               ｕｐ               ｏｎ               Ｃｈｉｃａｇｏ'ｓ               Ｓｏｕｔｈ               Ｓｉｄｅ               'ｂａｃｋ               ｉｎ               ｔｈｅ               ｄａｙｓ'               (ｈａｒｄ               ｔｉｍｅｓ)               ｗａｓ               ｎｏ               ｍｅａｎ               ｆｅａｔ               ｂｕｔ               ｓｏｍｅｈｏｗ               ｔｈｒｏｕｇｈ               ｉｔ               ａｌｌ               Ｉ'ｖｅ               ａｌｗａｙｓ               ｅｍｅｒｇｅｄ               ａｓ               ｔｈｅ               ｋｉｄ               ｗｉｔｈ               ｔｈｅ               ｍｏｓｔ               'ｔｏｙｓ.'               Ｅｖｅｎ               ａｓ               ａｎ               ａｄｕｌｔ               Ｉ               ｓｔｉｌｌ               ｔａｋｅ               ｏｖｅｒｓｅａｓ               ｈｏｌｉｄａｙｓ,               ｌｉｖｅ               ｏｎ               Ｃｈｉｃａｇｏ'ｓ               Ｇｏｌｄ               Ｃｏａｓｔ,               ｅａｔ               ｌｉｋｅ               ａ               ｐｒｉｎｃｅ,               ｄｒｉｖｅ               ａ               Ｊａｇｕａｒ               ａｎｄ               ａｌｌ               ｔｈａｔ               ｏｎ               ａ               ｒｅｔｉｒｅｄ               ｓｃｈｏｏｌ               ｔｅａｃｈｅｒ'ｓ               ｐｅｎｓｉｏｎ! Ｉ               ｔｈａｎｋ               Ｇｏｄ               ａｎｄ               ｍｙ               Ｍｏｍ'ｓ               ｓｔｒｅｅｔ               ｓｍａｒｔ               ｕｐｂｒｉｎｇｉｎｇ               ｆｏｒ               ｍｙ               ｓｕｃｃｅｓｓｅｓ. Ｉ'ｍ               ｎｏｔ               ｂｒａｇｇｉｎｇ               ａｓ               ｌｉｆｅ               ｉｓ               ｓｏ               ｕｎｐｒｅｄｉｃｔａｂｌｅ. Ｉｔ               ｏｎｌｙ               ｔａｋｅｓ               ｎａｎｏｓｅｃｏｎｄｓ               ｔｏ               ｔｕｍｂｌｅ               ｆｒｏｍ               ｐｌｅｎｔｙ               ｔｏ               ｐｏｖｅｒｔｙ. Ｍｉｓｓ               ｏｎｅ               ｐａｙｃｈｅｃｋ               ａｎｄ               ｗｅ               ｂｏｔｈ               ｗｉｌｌ               ｆｉｎｄ               ｏｕｔ. Ａｎｙｔｈｉｎｇ               ｃａｎ               ｈａｐｐｅｎ. Ｉ               ｗａｎｔ               ｔｏ               ｓｈｏｗ               ｙｏｕ               ｔｈｅ               ｗａｙ               ｔｏ               ａ               ｍｏｎｅｙ               ｓｍａｒｔ               ａｎｄ               ｄｅｂｔ               ｆｒｅｅ               ｌｉｆｅ.                Ｍｉｌｌｉｏｎｓ               ｏｆ               Ａｍｅｒｉｃａｎｓ               ａｒｅ               ｏｖｅｒ               ｔｈｅｉｒ               ｈｅａｄｓ               ｉｎ               ｄｅｂｔ. Ｉｔ'ｓ               ＢＡＤ               ｒｅａｌｌｙ               ｂａｄ. Ｔｈｉｓ               ｓｏｃｉｅｔｙ               ｃｉｒｃｕｉｔｏｕｓｌｙ               ｅｎｃｏｕｒａｇｅｓ               ｐｅｏｐｌｅ               ｔｏ               ｒｕｉｎ               ｔｈｅｍｓｅｌｖｅｓ               ｆｉｎａｎｃｉａｌｌｙ. Ｊｕｓｔ               ｗａｔｃｈ               ｔｈｏｓｅ               'ｂｕｙ-ｂｕｙ-ｂｕｙ'               ＴＶ               ｃｏｍｍｅｒｃｉａｌｓ               ｕｒｇｉｎｇ               ｃｏｎｓｕｍｅｒｓ               ｔｏ               ｓｈｏｐ               ｔｉｌｌ               ｔｈｅｙ               ｄｒｏｐ               ｂｕｙ               ｔｉｌｌ               ｔｈｅｙ               ｂｕｓｔ. Ｎｏｗ               ｔｈａｔ               ｔｈｅ               ａｎｎｕａｌ               ｓｐｅｎｄ               ｆｅｓｔ               ａｋａ               ｔｈｅ               Ｃｈｒｉｓｔｍａｓ               Ｈｏｌｉｄａｙｓ               ａｒｅ               ｏｖｅｒ               ｔｈｅ               ｑｕｅｓｔｉｏｎ               ｒｅｍａｉｎｓ               ｈｏｗ               ａｒｅ               ｙｏｕ               ｇｏｎｎａ'               ｓｔａｙ               ｏｕｔ               ｏｆ               ｄｅｂｔ               ａｎｄ               ｏｒ               ｐａｙ               ｏｆｆ               ｔｈｅ               ｂｉｌｌｓ               ｙｏｕ               ｈａｖｅ? Ｉｆ               ｙｏｕ'ｒｅ               ｌｉｋｅ               ｍａｎｙ               ｆｏｌｋｓ               ｗｈｏ'ｖｅ               ｂｅｅｎ               ｓｕｃｋｅｒｅｄ               ｉｎ               ｂｙ               ｓｌｉｃｋ               ａｄｖｅｒｔｉｓｉｎｇ               ｙｏｕ               ｍｉｇｈｔ               ｗａｎｔ               ｔｏ               ｔｈｉｎｋ               ｔｗｉｃｅ               ａｂｏｕｔ               ｆｉｌｉｎｇ               ｂａｎｋｒｕｐｔｃｙ. Ｆｉｌｅ               ｏｎｌｙ               ａｓ               ａ               ｌａｓｔ               ｒｅｓｏｒｔ               ｔｈｏｕｇｈ               ｓｔｉｌｌ               ｎｏｔ               ａ               ｇｏｏｄ               ｉｄｅａ. Ｆｏｒｅｖｅｒ               ｇｏｎｅ               ａｒｅ               ｔｈｅ               ｄａｙｓ               ｗｈｅｎ               ｙｏｕ               ｃａｎ               ｍａｘ               ｏｕｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ,               ｓｅｅ               ａ               ｌａｗｙｅｒ,               ａｎｄ               ｆｏｒ               ａ               ｒｅａｓｏｎａｂｌｅ               ｆｅｅ               ｇｏ               ｂｅｆｏｒｅ               ａ               Ｆｅｄｅｒａｌ               ｊｕｄｇｅ               ａｎｄ               ｐｌｅａｄ               "Ｉ               ｄｏｎ'ｔ               ｈａｖｅ               ｉｔ               --               Ｉ'ｍ               ｂｕｓｔｅｄ."               Ｕｈ-ｕｈ. Ｏｕｒ               ｌｅｇｉｓｌａｔｏｒｓ               ｃｌｏｓｅｄ               ｔｈａｔ               ｌｏｏｐ               ｈｏｌｅ               ｓｏｍｅ               ｔｉｍｅ               ａｇｏ               ａｎｄ               ｈａｖｅ               ｅｎａｃｔｅｄ               ｖｅｒｙ               ｓｔｒｉｎｇｅｎｔ               ｂａｎｋｒｕｐｔｃｙ               ｌａｗｓ. Ｉｔ               ｊｕｓｔ               ａｉｎ'ｔ               ｔｈａｔ               ｅａｓｙ               ｎｏ               ｍｏ.'               Ｔｈｅ               ｏｐｔｉｏｎ               ｏｆ               ｆｉｌｉｎｇ               ｔｈａｔ               ｅａｓｙ               ｎｏ               ｐａｙｂａｃｋ               Ｃｈａｐｔｅｒ               11               ｄｅｂｔ               ｒｅｏｒｇａｎｉｚａｔｉｏｎ               ｖｉａ               ｂａｎｋｒｕｐｔｃｙ               ｃｏｕｒｔ               ｉｓ               ｈｉｓｔｏｒｙ-ｋａｐｕｔ. Ｙｏｕ               ｆｉｌｅ               ｎｏｗ               ｙｏｕ               ｍａｙ               ｈａｖｅ               ｔｏ               ｐａｙ               ｂａｃｋ               ａ               ｌｏｔ               ｏｆ               ｗｈａｔ               ｙｏｕ               ｂｏｒｒｏｗｅｄ.                Ａ               ｍｅｔｈｏｄ               ｔｈａｔ               Ｉ               ｕｓｅ               ｔｏ               ｃｕｒｂ               ｍｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ａｐｐｅｔｉｔｅ               ｉｓ               ｔｏ               ｌｏｃｋ               ｍｙ               ｃａｒｄｓ               ｕｐ               ｉｎ               ｍｙ               ｓａｆｅ               ｄｅｐｏｓｉｔ               ｂｏｘ. Ｉ               ｕｓｅ               ｔｈｅｍ               ｏｎｌｙ               ｆｏｒ               ｖａｃａｔｉｏｎｓ               ａｎｄ               ｏｔｈｅｒ               ｍａｊｏｒ               ｐｕｒｃｈａｓｅｓ. Ｔｈｉｓ               ｗｏｒｋｓ               ｆｏｒ               ｍｅ               ａｎｄ               ｍｉｇｈｔ               ｗｏｒｋ               ｆｏｒ               ｙｏｕ. Ｂｅｉｎｇ               ｉｎ               ｄｅｂｔ               ｒｅｍｉｎｄｓ               ｍｅ               ｏｆ               ｔｈｅ               ｏｌｄ               ＴＶ               ｃｏｍｍｅｒｃｉａｌ               ａｂｏｕｔ               ｔｈｅ               Ｒｏａｃｈ               Ｍｏｔｅｌ. Ｇｏｉｎｇ               ｂｅｌｌｙ               ｕｐ               ｆｒｏｍ               ｄｅｂｔ               ｉｓ               ａｋｉｎ               ｔｏ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｏｆ               ｔｈｏｓｅ               ｕｎｆｏｒｔｕｎａｔｅ               ｃｒｉｔｔｅｒｓ. Ｔｈｅｙ               ｃｈｅｃｋ               ｉｎ               ｂｕｔ               ｔｈｅｙ               ｄｏｎ'ｔ               ｃｈｅｃｋ-ｏｕｔ. Ｇｅｔｔｉｎｇ               ｉｎｔｏ               ｄｅｂｔ               ｉｓ               ｅａｓｙ. Ｇｅｔｔｉｎｇ               ｏｕｔ'ｓ               ｔｈｅ               ｈａｒｄ               ｐａｒｔ. Ｃｏｍｂｉｎｉｎｇ               ｍｙ               ｏｗｎ               ｉｄｅａｓ               ｗｉｔｈ               ｓｏｍｅ               ｏｆ               ｔｈｏｓｅ               ｂｏｒｒｏｗｅｄ               ｆｒｏｍ               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ｃｏｎｓｕｍｅｒ               Ｌａｗ               Ｃｅｎｔｅｒ               ｈｅｒｅ'ｓ               ｓｏｍｅ               ｈｅｌｐｆｕｌ               ｈｉｎｔｓ:                Ｄｏｎ'ｔ'               ｄｏ               ｗｈａｔ               ｍａｎｙ               ｐｅｏｐｌｅ,               ａｎｄ               Ｉ'ｍ               ｇｕｉｌｔｙ               ｔｏｏ,               ｄｏｎ'ｔ               ｔｒａｓｈ               ｔｈｏｓｅ               ｆｉｎｅ-ｐｒｉｎｔ               ｉｎｓｅｒｔｓ               ｔｈａｔ               ａｃｃｏｍｐａｎｙ               ｙｏｕｒ               ｂｉｌｌｓ               ｉｎ               ｔｈｅ               ｍａｉｌ. ＲＥＡＤ               ＴＨＡＴ               ＳＴＵＦＦ! Ｂｅ               ａｌｗａｙｓ               ａｗａｒｅ               ｏｆ               ａｎｙ               ｆｅｅ               ａｄｊｕｓｔｍｅｎｔｓ               ａｓｓｏｃｉａｔｅｄ               ｗｉｔｈ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ. Ｉｎ               ＭＹ               ｏｐｉｎｉｏｎ               Ｉ               ｔｈｉｎｋ               ｔｈａｔ               ｓｏｍｅ               ｂａｎｋｓ               ｗｏｒｋ               ｏｎ               ｔｈｅ               ａｓｓｕｍｐｔｉｏｎ               ｔｈａｔ               ｃｏｎｓｕｍｅｒｓ-Ｉ               ｈａｔｅ               ｔｈａｔ               ｄｅｈｕｍａｎｉｚｉｎｇ               ｔｅｒｍ-ｗｉｌｌ               ｔｒａｓｈ               ｔｈｅｉｒ               ｍａｉｌｅｄ               ｃｒｅｄｉｔ               ｕｐｄａｔｅｓ               ｇｉｖｉｎｇ               ｂａｎｋｓ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｓｎｅａｋ               ｉｎ               ｆｅｅ               ａｄｊｕｓｔｍｅｎｔｓ. Ａｒｅ               ｂａｎｋｓ               ｃｒｏｏｋｅｄ? Ｐｕｔ               ｉｔ               ｔｈｉｓ               ｗａｙ               ｂａｎｋｓ               ａｎｄ               ｂａｎｋｅｒｓ               ｈａｖｅ               ｂｅｅｎ               ａｒｏｕｎｄ               ｆｏｒ               ｅｏｎｓ               ｗｉｔｈ               ｎｏ               ｓｉｇｎ               ｏｆ               ｅｖｅｒ               ｇｏｉｎｇ               ｏｕｔ               ｏｆ               ｂｕｓｉｎｅｓｓ. Ｂａｎｋｅｒｓ               ｋｎｏｗ               ａｌｌ               ｔｈｅ               ａｎｇｌｅｓ. 'Ｔｈｅｙ               ｐｌａｎ               ｗｈｉｌｅ               ｗｅ               ｓｌｅｅｐ'               ａｓ               ｍｙ               ｍｏｔｈｅｒ               ｕｓｅｄ               ｔｏ               ｓａｙ. Ｔｈｅｙ               ｈａｖｅ               ｍａｎｙ               ｗａｙｓ               ｔｏ               ｍａｋｅ               ｙｏｕｒ               ｌｉｆｅ               --               ｗｅｌｌ               --               ｉｎｔｅｒｅｓｔｉｎｇ. Ｂｅ               ｃａｒｅｆｕｌ               ｗｈｅｎ               ｇｅｔｔｉｎｇ               ｃａｓｈ               ａｄｖａｎｃｅｓ! Ｔｈｅ               Ｌａｗ               Ｃｅｎｔｅｒ               ｒｅｃｏｍｍｅｎｄｓ               ｔｈａｔ               ｙｏｕ               ｇｅｔ               ｔｈｅｍ               ＷＨＥＮ               ＮＥＣＥＳＳＡＲＹ. Ｂａｎｋｓ               ｃｈａｒｇｅ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ａｎｄ               ｓｅｒｖｉｃｅ               ｆｅｅｓ               ｗｈｅｎ               ｙｏｕ               ｗｉｔｈｄｒａｗ               ｆｒｏｍ               ｙｏｕｒ               ａｃｃｏｕｎｔ;               ｓｏ-ｃａｌｌｅｄ               ｐｅｒｓｏｎａｌｉｚｅｄ               'ｃｈｅｃｋｓ'               ｎｏｔ               ｗｉｔｈｓｔａｎｄｉｎｇ. Ｔｈｅｓｅ               ｐｅｏｐｌｅ               ａｒｅ               ｓｍａｒｔ. Ｂａｎｋｓ               ａｒｅ               ｉｎ               ｂｕｓｉｎｅｓｓ               ｔｏ               ｍａｋｅ               ｍｏｎｅｙ               ｐｌａｉｎ               ａｎｄ               ｓｉｍｐｌｅ. ＴＨＥＹ               ＡＲＥ               ＮＯＴ               ＹＯＵＲ               ＦＲＩＥＮＤＳ!!! Ｂｅ               ｃａｒｅｆｕｌ. Ｉｆ               ｙｏｕ               ｍｕｓｔ               ｓｅｅｋ               ｏｕｔｓｉｄｅ               ａｓｓｉｓｔａｎｃｅ               ｔｏ               ｈｅｌｐ               ｙｏｕ               ａｃｈｉｅｖｅ               ｆｉｎａｎｃｉａｌ               ｓｏｌｖｅｎｃｙ               ｍａｋｅ               ｄｏｕｂｌｙ               ｄａｒｎ               ｓｕｒｅ               ｙｏｕ               ｈｉｒｅ               ａ               ｒｅｐｕｔａｂｌｅ               ｄｅｂｔ               ｃｏｎｓｏｌｉｄａｔｉｏｎ               ｆｉｒｍ. Ｉｎ               1979               ｉｆ               Ｉ               ｒｅｍｅｍｂｅｒ               ｃｏｒｒｅｃｔｌｙ               ｓｈｏｒｔｌｙ               ｂｅｆｏｒｅ               Ｉ               ｈａｄ               ｔｈｅ               ｍｉｓｆｏｒｔｕｎｅ               ｏｆ               ｆｉｌｉｎｇ               ｆｏｒ               ｂａｎｋｒｕｐｔｃｙ,               Ｉ               ｈｉｒｅｄ               ａ               ｄｅｂｔ               ｃｏｎｓｏｌｉｄａｔｉｏｎ               ｆｉｒｍ               ｔｈａｔ               Ｉ               ｈａｄ               ｓｅｅｎ               ａｄｖｅｒｔｉｓｅｄ               ｏｎ               ｔｅｌｅｖｉｓｉｏｎ. Ｔｈｏｓｅ               ｃｒｏｏｋｓ               ｈａｄ               ｆｅｅｓ               ｓｏ               ｈｉｇｈ               ｔｈａｔ               ｆｏｒ               ｔｗｏ               ｙｅａｒｓ               ａｌｌ               Ｉ               ｓｕｃｃｅｅｄｅｄ               ｉｎ               ｄｏｉｎｇ               ｗｅｒｅ               ｐａｙｉｎｇ               ｏｆｆ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               Ｉ               ｏｗｅｄ               ｍｙ               ｃｒｅｄｉｔｏｒｓ               ｐｌｕｓ               ｈｅｆｔｙ               ｄｅｂｔ               ｃｏｎｓｏｌｉｄａｔｉｏｎ               ｆｅｅｓ. Ａｎｏｔｈｅｒ               ｒｅｃｏｍｍｅｎｄｅｄ               ｗａｙ               ｔｏ               ｅｒａｓｅ               ｄｅｂｔ               ｉｓ               ｔｏ               ｓｅｃｕｒｅ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｔｈａｔ               ｏｆｆｅｒ               ｌｏｗｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ. Ｔｒａｎｓｆｅｒｒｉｎｇ               ｂａｌａｎｃｅｓ               ｆｒｏｍ               ｏｎｅ               ｃａｒｄ               ｔｏ               ａｎｏｔｈｅｒ               ｔｏ               ｔａｋｅ               ａｄｖａｎｔａｇｅ               ｏｆ               ｌｏｗ               ｉｎｔｒｏｄｕｃｔｏｒｙ               ｒａｔｅｓ               ｉｓ               ａ               ｃｏｍｍｏｎ               ｐｒａｃｔｉｃｅ               ａｍｏｎｇ               Ｕ.Ｓ. ｃａｒｄｈｏｌｄｅｒｓ. Ｌｏｗ               ｉｎｔｒｏｄｕｃｔｏｒｙ               ｒａｔｅｓ               ｃａｎ               ｂｅ               ｖｅｒｙ               ｈｅｌｐｆｕｌ               ｉｎ               ｙｏｕｒ               ｑｕｅｓｔ               ｔｏ               ｂｅｃｏｍｅ               ｆｒｅｅ               ｏｆ               ｃｒｅｄｉｔ-ｃａｒｄ               ｄｅｂｔ. Ｙｏｕ               ｓｈｏｕｌｄ               ｌｏｏｋ               ｆｏｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｔｈａｔ               ｏｆｆｅｒ               ａ               ｌｏｗ               ｉｎｔｒｏ               ｒａｔｅ               (ｕｓｕａｌｌｙ               ｆｏｒ               ｓｉｘ               ｍｏｎｔｈｓ),               ａｎｄ               ｔｒａｎｓｆｅｒ               ｔｈｅ               ｂａｌａｎｃｅ               ｆｒｏｍ               ｙｏｕｒ               ｐｒｅｖｉｏｕｓ               ｃｒｅｄｉｔ               ｃａｒｄ               ｔｏ               ｔｈａｔ               ｃｒｅｄｉｔ               ｃａｒｄ. Ｂｅｆｏｒｅ               ｙｏｕ               ｔａｋｅ               ｔｈｉｓ               ｓｔｅｐ,               ｈｏｗｅｖｅｒ,               ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ,               ａｆｔｅｒ               ｔｈｅ               ｉｎｔｒｏ               ｒａｔｅ               ｈａｓ               ｅｘｐｉｒｅｄ,               ｔｈｅ               ｎｅｗ               ｃａｒｄ               ｏｆｆｅｒｓ               ｔｈｅ               ｓａｍｅ               (ｏｒ               ｌｏｗｅｒ)               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ａｓ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｃａｒｄ. Ｉｆ               ｔｈａｔ               ｆａｉｌｓ               ｙｏｕ               ｃａｎ               ａｌｗａｙｓ               ｃｕｔ               ｔｈｅ               ｄａｍｎ               ｔｈｉｎｇｓ               ｕｐ               ｉｎｔｏ               ｔｉｎｙ               ｐｌａｓｔｉｃ               ｐｉｅｃｅｓ. Ｔｈａｔ               ｗｏｒｋｓ               ｔｏｏ. Ｂｅｅｎ               ｔｈｅｒｅ-ｄｉｄ               ｔｈａｔ. Ｉｆ               ｙｏｕ               ｗｅｒｅ               ｕｓｅｄ               ｔｏ               ｌｉｖｉｎｇ               ｔｈｅ               ｈｉｇｈ               ｌｉｆｅ               ｓｔａｒｔ               ｔｒｉｍｍｉｎｇ               ｄｏｗｎ               ｙｏｕｒ               ｅｘｐｅｎｓｅｓ               ｂｙ               ｒｅｍｏｖｉｎｇ               ａｌｌ               ｎｏｎｅｓｓｅｎｔｉａｌ               ｉｔｅｍｓ               ｌｉｋｅ               ａｎ               ｅｘｔｒａ               ｃａｒ,               ｍｏｔｏｒ               ｂｏａｔ,               ｏｒ               ａ               ｊｅｔ               ｓｋｉ. Ｓｅｌｌ               ｏｒ               ｔｒａｄｅ               ｉｎ               ｙｏｕｒ               ｇａｓ               ｇｕｚｚｌｉｎｇ               ＳＵＶ               ｆｏｒ               ａ               ｓｍａｌｌｅｒ               ｍｏｒｅ               ｆｕｅｌ               ｅｆｆｉｃｉｅｎｔ               ｏｒ               ｈｙｂｒｉｄ               ｍｏｄｅｌ. Ｐｒｅｐａｒｅ               ｈｏｍｅ               ｃｏｏｋｅｄ               ｍｅａｌｓ               ａｓ               ａｎ               ａｌｔｅｒｎａｔｉｖｅ               ｔｏ               ｄｉｎｉｎｇ               ｏｕｔ               ａｔ               ｅｘｐｅｎｓｉｖｅ               ｒｅｓｔａｕｒａｎｔｓ. Ｉｆ               ｙｏｕ               ａｒｅ               ａ               ｒｅｌｉｇｉｏｕｓ               ｐｅｒｓｏｎ               ｄｅｖｅｌｏｐ               ａ               ｓｐｉｒｉｔ               ｏｆ               ｇｅｎｅｒｏｕｓ               ｇｉｖｉｎｇ. Ｔｒｙ               ｔｉｔｈｉｎｇ,               ｉｔ               ｗｏｒｋｓ               ａｎｄ               ｙｏｕ'ｌｌ               ｎｅｖｅｒ               ｂｅ               ｂｒｏｋｅ               ａｇａｉｎ. Ｔｒｕｓｔ               ｍｅ               ｏｎ               ｔｈｉｓ               ｏｎｅ. Ｋｎｏｗ               ｙｏｕｒ               ｄｅｂｔｓ               ｂｙ               ｍａｋｉｎｇ               ａ               ｌｉｓｔ               ｏｆ               ｙｏｕｒ               ｂｉｌｌｓ               ａｎｄ               ｐａｙ               ｏｆｆ               ｔｈｅ               ｈｉｇｈ               ｉｎｔｅｒｅｓｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｂｉｌｌｓ               ＦＩＲＳＴ. Ｔａｋｅ               ｔｉｍｅ               ｔｏ               ｏｒｇａｎｉｚｅ               ｙｏｕｒ               ｂｉｌｌｓ               ｂｙ               ｆｉｒｓｔ               ｌｉｓｔｉｎｇ               ｔｈｅ               ｌａｒｇｅｓｔ               ｄｏｗｎ               ｔｏ               ｔｈｅ               ｓｍａｌｌｅｓｔ. Ｉｎ               ｔｈｅ               ｌｏｎｇ               ｒｕｎ               ｔｈｉｓ               ｗｉｌｌ               ｓａｖｅ               ｙｏｕ               ｔｉｍｅ               ａｎｄ               ｍｏｎｅｙ. Ｓｅｖｅｒｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ               ｃａｎ               ｌｅａｄ               ｔｏ               ｌｏｓｅ               ｏｆ               ｐｒｏｐｅｒｔｙ,               ｌａｗｓｕｉｔｓ,               ｄｉｖｏｒｃｅ,               ａｎｄ               ａ               ｂａｄ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ. Ａｇａｉｎ               ｌｅｔ'ｓ               ｎｏｔ               ｆｏｒｇｅｔ               ｔｈａｔ               ＭＯＳＴ               ｍａｒｒｉａｇｅｓ               ａｒｅ               ｄｅｓｔｒｏｙｅｄ               ｆｏｒ               ｆｉｎａｎｃｉａｌ               ｆａｉｌｕｒｅｓ               ｔｈａｎ               ｆｏｒ               ｍｏｒａｌ               ｌａｐｓｅｓ. Ｈｅｒｅ'ｓ               ｏｎｅ               ｔｈａｔ               Ｉ'ｍ               ｆｏｒ               100%:               ｗｈｅｎ               ｙｏｕ               ｐａｙ               ｙｏｕｒ               ｍｏｎｔｈｌｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ｆｅｅ               ＰＡＹ               ＯＵＴ               ＴＨＥ               ＥＮＴＩＲＥ               ＡＭＯＵＮＴ               ｂｕｔ               ｉｆ               ｙｏｕｒ               ｆｉｎａｎｃｅｓ               ｗｏｎ'ｔ               ｐｅｒｍｉｔ               ｔｈｉｓ               ａｌｗａｙｓ               ｐａｙ               ｍｏｒｅ               ｔｈｅｎ               ｔｈｅ               ｍｉｎｉｍｕｍ               ａｍｏｕｎｔ. Ｉｆ               ｙｏｕ               ｐａｙ               ｅｘａｃｔｌｙ               ｔｈｅ               ｍｉｎｉｍｕｍ               ａｍｏｕｎｔ               ｙｏｕ'ｒｅ               ｏｎｌｙ               ｐａｙｉｎｇ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｗｉｔｈ               ｔｈｅ               ｏｕｔｓｔａｎｄｉｎｇ               ｂａｌａｎｃｅ               ｙｅｔ               ｔｏ               ｂｅ               ｐａｉｄ. Ｉｎ               ｓｈｏｒｔ               ｙｏｕ               ｇｅｔ               ａ               ｍｏｎｔｈｌｙ               ｂｉｌｌ               ｆｏｒ               $200.00-ｊｕｓｔ               ａ               ｈｙｐｏｔｈｅｔｉｃａｌ-ＰＡＹ               ＴＨＥ               ＷＨＯＬＥ               ＴＨＩＮＧ               ＯＵＴ! Ｆｏｒ               ｌａｒｇｅ               ｂｉｌｌｓ               ｐａｙ               ｔｈｅ               ｅｎｔｉｒｅ               ａｍｏｕｎｔ               ｉｎ               ａｂｏｕｔ               ｔｈｒｅｅ               ｏｒ               ｆｏｕｒ               ｉｎｓｔａｌｌｍｅｎｔｓ. Ｓｔａｙ               ｆｏｃｕｓｅｄ. Ｔｏ               ａｃｈｉｅｖｅ               ｆｒｅｅｄｏｍ               ｆｒｏｍ               ｄｅｂｔ               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ｔｏ               ｃｕｔ               ｂａｃｋ               ｏｎ               ｃｅｒｔａｉｎ               ｌｕｘｕｒｉｅｓ               ｅｖｅｎ               ａｆｔｅｒ               ｙｏｕｒ               ｂｉｌｌｓ               ａｒｅ               ｐａｉｄ               ｏｆｆ. Ｉ               ｗｏｕｌｄ               ｓｕｇｇｅｓｔ               ｒｅｆｉｎａｎｃｉｎｇ               ａｓ               ａ               ｄｅｂｔ               ｅｒａｓｕｒｅ               ｏｐｔｉｏｎ,               ｂｕｔ               ｄｕｅ               ｔｏ               ｔｈｉｓ               ｍａｒｋｅｔ               ｂｅｉｎｇ               ｕｐ               ｉｎ               ｔｈｅ               ａｉｒ,               Ｉ               ｓｔｒｏｎｇｌｙ               ｓｕｇｇｅｓｔ               ｔｈａｔ               ｙｏｕ               ｅｘａｍｉｎｅ               ｔｈｅ               'ｒｅｆｉ'               ｏｐｔｉｏｎ               ｖｅｒｙ               ｃａｒｅｆｕｌｌｙ. Ａｓ               ａ               ｆｏｒｍｅｒ               ｈｏｍｅ               (ｃｏｎｄｏ)               ｏｗｎｅｒ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｅｎｏｕｇｈ               ａｃｃｕｍｕｌａｔｅｄ               ｂｉｌｌｓ               ｐｅｒｈａｐｓ               ｙｏｕ               ｍｉｇｈｔ               ｗａｎｔ               ｔｏ               ｒｅｆｉｎａｎｃｅ               ｙｏｕｒ               ｐｒｏｐｅｒｔｙ. Ｔｈｉｓ               ｗａｙ               ｎｏｔ               ｏｎｌｙ               ｗｉｌｌ               ｙｏｕ               ｎｉｘ               ｔｈｅ               ｄｅｂｔ               ｂｕｔ               ｙｏｕ               ｃａｎ               ａｒｒａｎｇｅ               ｔｏ               ｈａｖｅ               ｅｘｔｒａ               'ｐｌａｙ               ｍｏｎｅｙ'               ｉｎ               ｔｈｅ               ｐｒｏｃｅｓｓ               ａｆｔｅｒ               ｙｏｕ               ｆｉｎｉｓｈ               ｐａｙｉｎｇ               ｏｆｆ               ＡＬＬ               ｙｏｕｒ               ｂｉｌｌｓ               ｉｎ               ｏｎｅ               ｆａｉｌ               ｓｗｏｏｐ. Ａｆｔｅｒ               ａｌｌ               ｗｈｙ               ｓｈｏｕｌｄｎ'ｔ               ｄｅｂｔ               ｒｅｐａｙｍｅｎｔ               ｂｅ               ａｌｌ               ｗｏｒｋ               ａｎｄ               ｎｏ               ｐｌａｙ-ｈｕｈ? Ａ               ｎｏｔｅ               ｏｆ               ｗａｒｎｉｎｇ:               Ｉ               ｗｏｕｌｄ               ＳＴＲＯＮＧＬＹ               ｓｕｇｇｅｓｔ               ｔｈａｔ               ｉｆ               ｙｏｕ               ｒｅｆｉｎａｎｃｅ               ｙｏｕｒ               ｈｏｍｅ               ｔｏ               ｐａｙ               ｏｆｆ               ＡＬＬ               ｏｆ               ｙｏｕｒ               ｂｉｌｌｓ               ｄｏｎ'ｔ               'ｒｅ-ｆｉ'               ｔｏｏ               ｍａｎｙ               ｔｉｍｅｓ               ａｓ               ｉｔ               ａｆｆｅｃｔｓ               ｔｈｅ               ｐｒｉｃｅ               ｏｆ               ｙｏｕｒ               ｈｏｍｅ               ａｎｄ               ｆｏｒ               ｈｅａｖｅｎ'ｓ               ｓａｋｅ               ＤＯＮ'Ｔ               ＲＥＦＩＮＡＮＣＥ               ＴＯ               ＰＡＹ               ＯＦＦ               ＤＥＢＴＳ               ＯＮＬＹ               ＴＯ               ＧＥＴ               ＩＮＴＯ               ＭＯＲＥ               ＤＥＢＴ               ＡＮＤ               ＡＴ               Ａ               ＨＩＧＨＥＲ               ＩＮＴＥＲＥＳＴ!! Ｊｅｓｕｓ               Ｃｈｒｉｓｔ               ｏｎｃｅ               ｗａｒｎｅｄ:               "Ｉｆ               ｙｏｕｒ               ｒｉｇｈｔ               ｅｙｅ               ｃａｕｓｅｓ               ｙｏｕ               ｔｏ               ｓｉｎ               ｐｌｕｃｋ               ｉｔ               ｏｕｔ!"               Ｉｆ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ａｒｅ               ｃａｕｓｉｎｇ               ｙｏｕｒ               ｒｕｉｎ               ＧＥＴ               ＲＩＤ               ＯＦ               ＴＨＥＭ               ＯＮＣＥ               ＡＮＤ               ＦＯＲ               ＡＬＬ! Ａｌｌ               ｙｏｕ               ｎｅｅｄ               ｉｓ               ａ               ｐａｉｒ               ｏｆ               ｓｈｅａｒｓ               ａｎｄ               ｇｏ               'ｓｎｉｐ-ｓｎｉｐ-ｓｎｉｐ.'               Ｕｓｅ               ＣＡＳＨ. Ｉｆ               ｙｏｕ               ｃａｎ'ｔ               ｐａｙ               ｆｏｒ               ｔｈｉｎｇｓ               ｗｉｔｈ               ｃａｓｈ               ｔｈｅｎ               ｙｏｕ               ｄｏｎ'ｔ               ｎｅｅｄ               ｔｈｅｍ. Ｔｈｅ               ｒｅｆｉｎａｎｃｅ               ｍａｒｋｅｔ               ｈａｓ               ｃｈａｎｇｅｄ               ｄｒａｓｔｉｃａｌｌｙ               ｓｉｎｃｅ               Ｉ               ｒｅｆｉｎａｎｃｅｄ               ｍｙ               ｃｏｎｄｏｍｉｎｉｕｍ. Ｉｆ               Ｉ               ｗｅｒｅ               ｙｏｕ               Ｉ               ｗｏｕｌｄ               ｇｅｔ               ｓｏｍｅ               ｄｅｔａｉｌｅｄ               ｕｐｄａｔｅｓ. Ｕｓｅ               ｙｏｕｒ               ｓｅａｒｃｈ               ｅｎｇｉｎｅ               ｔｏ               ｌｏｏｋ               ｕｐ               Ｍｏｒｔｇａｇｅ               Ｒｅｆｉｎａｎｃｉｎｇ               Ｔｉｐｓ               ｂｅｆｏｒｅ               ｙｏｕ               ａｃｔ. Ｈｅｒｅ'ｓ               ｍｙ               ｌｏｎｇ               ｓｔａｎｄｉｎｇ               ｆａｖｏｒｉｔｅ. Ｉ               ｌｅａｒｎｅｄ               ｔｈｉｓ               ｉｎ               1969               ｔａｕｇｈｔ               ｔｏ               ｍｅ               ｂｙ               ｍｙ               ｆｏｒｍｅｒ               'ｓｔｒａｗ               ｂｏｓｓ'               ｏｆ               ｗｈｏｍ               Ｉ               ｓｔｉｌｌ               ｃｏｎｓｉｄｅｒ               ｔｈｅ               ｓｍａｒｔｅｓｔ               ｍａｎ               Ｉ'ｖｅ               ｅｖｅｒ               ｍｅｔ. Ｈｅ               ｏｎｃｅ               ｓａｉｄ,               'ｗｉｔｈ               ｅａｃｈ               ｂａｎｋ               ｄｅｐｏｓｉｔ,               ｐｕｔ               $50.00               ｔｏ               $100.00               ｅｘｔｒａ               (Ｍａｋｅ               ａ               ｓｐｅｃｉａｌ               ｎｏｔａｔｉｏｎ               ｍａｒｋｅｄ               'ｆｅｅ'               ｉｎ               ｒｅｄ.). Ｔｈｉｓ               ｗａｙ               ｙｏｕ               ｎｅｖｅｒ               ｈａｖｅ               ｔｏ               ｗｏｒｒｙ               ａｂｏｕｔ               ｏｖｅｒｄｒａｆｔｓ. Ｔｈｏｓｅ               'ｆｅｅｓ'               ｓｏｏｎ               ａｄｄ               ｕｐ.'               Ａｌｗａｙｓ               ｈａｖｅ               ａ               ｔｉｄｙ               'ｒｅｓｅｒｖｅ'               ｊｕｓｔ               ｉｎ               ｃａｓｅ. Ｈｅｒｅ'ｓ               ｓｏｍｅ               ｔｒａｖｅｌ               ｔｉｐｓ:               ａｌｗａｙｓ               ｔａｋｅ               ｍｏｒｅ               ｔｈａｎ               ｏｎｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｗｈｅｎ               ｏｎ               ｈｏｌｉｄａｙ. Ｎｏｔ               ａｌｌ               ｃｏｕｎｔｒｉｅｓ               ｔａｋｅ               Ａｍｅｒｉｃａｎ               Ｅｘｐｒｅｓｓ,               ＶＩＳＡ,               ｏｒ               ｅｖｅｎ               Ｍａｓｔｅｒ               Ｃａｒｄ. Ｍｏｓｔ               ｄｏ               ｂｕｔ               ｓｏｍｅ               ｄｏｎ'ｔ. Ｉｆ               ｙｏｕ               ａｒｅ               ｔｒａｖｅｌｉｎｇ               ｗｉｔｈｉｎ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｒｅｍｅｍｂｅｒ               ｔｈｉｓ:               ｗｈｅｎ               ｗｒｉｔｉｎｇ               ｃｈｅｃｋｓ               ｏｒ               ｕｓｉｎｇ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｉｎ               Ｓｏｕｔｈｅｒｎ               Ｓｔａｔｅｓ               ａｎｄ               ｙｏｕ               ｍａｘ               ｏｕｔ               ｏｒ               ｙｏｕｒ               ｃｈｅｃｋ               ｂｏｕｎｃｅ               ｙｏｕ               ｃａｎ               ｅｘｐｅｃｔ               ａ               ｖｉｓｉｔ               ｆｒｏｍ               ｔｈｅ               ｌｏｃａｌ               ｌａｗ. Ｉ               ｏｎｃｅ               ｋｎｅｗ               ｏｆ               ａ               ｗｏｍａｎ               ｗｈｏ               ｗａｓ               ｔｒａｖｅｌｉｎｇ               ｄｏｗｎ               ｓｏｕｔｈ               ａｎｄ               ｓｔｏｐｐｅｄ               ａｔ               ａ               ｂａｎｋ               ｉｎ               Ｊａｃｋｓｏｎ,               Ｍｉｓｓｉｓｓｉｐｐｉ               ｔｏ               ｍａｋｅ               ａ               ｔｒａｎｓａｃｔｉｏｎ               ｏｎｌｙ               ｔｏ               ｈａｖｅ               ｔｈｅ               ｔｅｌｌｅｒ               ｔａｋｅ               ａ               ｐａｉｒ               ｏｆ               ｌａｒｇｅ               ｓｈｅａｒｓ               ａｎｄ               ｄｅｓｔｒｏｙ               ｈｅｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｒｉｇｈｔ               ｉｎ               ｆｒｏｎｔ               ｏｆ               ｈｅｒ               ｆａｃｅ. Ｗｈｅｎ               ｔｈｅ               ｃｕｓｔｏｍｅｒ               ｃｏｍｐｌａｉｎｅｄ               ｔｈｉｓ               ｂａｎｋ               ｅｍｐｌｏｙｅｅ               ｒｕｄｅｌｙ               ｃｉｔｅｄ               ｓｔａｔｅ               ｌａｗ               ｗｈｉｃｈ               ｓａｉｄ               ｔｈａｔ               ｓｈｅ               ｃｏｕｌｄ               ｇｅｔ               ｊａｉｌ               ｔｉｍｅ               ｆｏｒ               ｕｓｉｎｇ               ｍａｘｅｄ               ｏｕｔ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｏｒ               ｈｅｒ               ｃｈｅｃｋｓ               ｂｏｕｎｃｅ. Ｔｈｅ               ｔｅｌｌｅｒ               ｃｏｕｌｄ               ｈａｖｅ               ｃａｌｌｅｄ               ｔｈｅ               ｐｏｌｉｃｅ. Ｓｏｕｔｈｅｒｎ               ｌａｗ               ｔｅｎｄｓ               ｔｏ               ｂｅ               ａ               ｌｉｔｔｌｅ               ｂｉｔ               ｓｔｒｉｃｔｅｒ               ｔｈａｎ               ｉｎ               ｔｈｅ               Ｎｏｒｔｈ               ｓｏ               ｂｅ               ｖｅｒｙ               ｗａｒｙ               ｗｈｅｎ               ｃｒｏｓｓｉｎｇ               ｔｈｅ               Ｍａｓｏｎ-Ｄｉｘｉｅ               Ｌｉｎｅ.                Ｗｈｅｎ               Ｉ               ｗｒｉｔｅ               ｔｒａｖｅｌ               ａｒｔｉｃｌｅｓ               Ｉ               ｔｒｙ               ｔｏ               ｃｏｎｖｉｎｃｅ               ｍｙ               ｒｅａｄｅｒｓ               ｔｏ               ｖｉｓｉｔ               ａｌｌ               ｔｈｏｓｅ               ｎｉｃｅ               ｐｌａｃｅｓ               Ｉ               ｍｅｎｔｉｏｎ. Ｉ               ｔｅｌｌ               ａｂｏｕｔ               ｔｈｅ               ｇｏｏｄ               ｓｔｕｆｆ               ｂｕｔ               ｓｅｌｄｏｍ               ｍｅｎｔｉｏｎ               ａｎｙ               ｎｅｇａｔｉｖｅ               ｅｘｐｅｒｉｅｎｃｅｓ               ｔｈａｔ               Ｉ'ｖｅ               ｅｎｃｏｕｎｔｅｒｅｄ               ｉｎ               ｍｙ               ｊｏｕｒｎｅｙｓ. Ｓｉｎｃｅ               ｔｈｉｓ               ａｒｔｉｃｌｅ               ｉｓ               ａｂｏｕｔ               ｆｉｎａｎｃｅ               Ｉ               ｗｉｌｌ.                Ｈｏｎｇ               Ｋｏｎｇ               ｉｓ               Ｃｉｔｉｇｒｏｕｐ               ｃｏｕｎｔｒｙ. Ｕｓｉｎｇ               ｙｏｕｒ               Ｃｉｔｉｃａｒｄ               ｉｎ               Ｈｏｎｇ               Ｋｏｎｇ               ｉｓ               ｊｕｓｔ               ｌｉｋｅ               ｕｓｉｎｇ               ｔｈａｔ               ｐｉｅｃｅ               ｏｆ               ｐｌａｓｔｉｃ               ｂａｃｋ               ｈｏｍｅ. Ｎｏ               ｐｒｏｂｌｅｍ.                Ｔｈｅ               Ｐｈｉｌｉｐｐｉｎｅｓ               ｖａｒｉｅｓ. Ｏｎｃｅ               ｗｈｅｎ               Ｉ               ｗａｓ               ｈｏｓｔｉｎｇ               ａ               ｆａｎｃｙ               ｂａｎｑｕｅｔ               ｆｏｒ               ａ               ｌａｒｇｅ               ｎｕｍｂｅｒ               ｏｆ               ｍｙ               ｍａｒｒｉａｇｅ               ｒｅｌａｔｅｄ               ｒｅｌａｔｉｖｅｓ               ａｎｄ               ｗｈｅｎ               ｉｔ               ｗａｓ               ｔｉｍｅ               ｔｏ               ｐａｙ               ｔｈｅ               ｃｈｅｃｋ,               Ｉ               ｈａｎｄｅｄ               ｔｈｅ               ｗａｉｔｅｒ               ｍｙ               ｃｒｅｄｉｔ               ｃａｒｄ. Ｍｉｎｕｔｅｓ               ｌａｔｅｒ               ｔｈｅ               ｍａｎａｇｅｒ               ｃａｍｅ               ｔｏ               ｍｙ               ｔａｂｌｅ               ａｎｄ               ｉｎｆｏｒｍｅｄ               ｍｅ               ｔｈａｔ               ｔｈｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｐｒｏｃｅｓｓｉｎｇ               ｍａｃｈｉｎｅ               ｗａｓ               ｅｘｐｅｒｉｅｎｃｉｎｇ               ｔｅｃｈｎｉｃａｌ               ｄｉｆｆｉｃｕｌｔｉｅｓ. Ｉ               ｄｉｄｎ'ｔ               ｈａｖｅ               ｅｎｏｕｇｈ               ｐｅｓｏｓ               ｔｏ               ｃｏｖｅｒ               ｔｈｅ               ｅｎｔｉｒｅ               ａｍｏｕｎｔ. Ｉｆ               ｍｙ               ｂｒｏｔｈｅｒ-ｉｎ-ｌａｗ               ｈａｄｎ'ｔ               ｐａｉｄ               ｍｙ               ｂｉｌｌ               Ｉ               ｗｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ               ａｒｒｅｓｔｅｄ               ａｎｄ               ｓｐｅｎｔ               ｓｏｍｅ               ｔｉｍｅ               ｉｎ               ｏｎｅ               ｏｆ               Ｍａｎｉｌａ'ｓ               ｈｅｌｌｉｓｈ               ｊａｉｌｓ               ｆｏｒ               ｆｒａｕｄ! ＢＥ               ＣＡＲＥＦＵＬ               ＩＮ               ＦＯＲＥＩＧＮ               ＣＯＵＮＴＩＲＥＳ! Ｓｏｍｅ               ｏｆ               ｔｈｅｍ               ｌｉｅ               ｉｎ               ｗａｉｔ               ｆｏｒ               Ａｍｅｒｉｃａｎｓ               ｔｏ               ｍｅｓｓ               ｕｐ.                Ｔｈａｉｌａｎｄ,               Ｊａｐａｎ,               Ｖｉｅｔｎａｍ,               Ｂｒｕｎｅｉ,               Ｉｔａｌｙ,               Ｍｅｘｉｃｏ               ｎｏ               ｐｒｏｂｌｅｍ               ｂｕｔ               ｉｎ               Ｂａｌｉ               ｉｔ               ｗａｓ               ｓｔｒｉｃｔｌｙ               ｃａｓｈ               ａｎｄ               ｃａｒｒｙ. Ｙｏｕ               ｎｏ               ｈａｖｅ               ｃａｓｈ               ｙｏｕ               ｎｏ               ｃａｒｒｙ! Ｖｅｒｙ               ｆｅｗ               ｐｌａｃｅｓ               ａｃｃｅｐｔｅｄ               ｍｙ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｉｎ               Ｂａｌｉ. Ｌｕｃｋｉｌｙ               ｆｏｒ               ｍｅ               Ｉ               ｈａｄ               ｅｎｏｕｇｈ               ｃａｓｈ               ｔｏ               ｄｏ               ａ               ｌｉｔｔｌｅ               ｓｈｏｐｐｉｎｇ               ａｎｄ               ｂｕｙ               ａ               Ｂｉｇ               Ｍａｃ               ｏｒ               ｔｗｏ               ｂｕｔ               ｔｈａｔ               ｗａｓ               ａｂｏｕｔ               ｉｔ.                Ｗｏｒｓｅ               ｃａｓｅ               ｓｃｅｎａｒｉｏ               ａｎｄ               ｔｈｉｓ               ａｃｔｕａｌｌｙ               ｈａｐｐｅｎｅｄ;               Ｉ               ｗａｓ               ｉｎ               Ｍａｎｉｌａ               ａｎｄ               ｗａｎｔｅｄ               ｐｉｃｋ               ｕｐ               ｓｏｍｅ               ｓｏｕｖｅｎｉｒｓ. Ｎｏｒｍａｌｌｙ               ｎｏ               ｐｒｏｂｌｅｍ               ｂｕｔ               ｗｈａｔ               Ｉ               ｄｉｄｎ'ｔ               ｋｎｏｗ               ｗａｓ               ｔｈａｔ               Ｉ               ｓｔｉｌｌ               ｈａｖｅ               ａ               ｆｒａｃｔｉｏｎａｌ               ａｍｏｕｎｔ               ｓｔｉｌｌ               ｏｗｅｄ               ｏｎ               ｍｙ               ｃｒｅｄｉｔ               ｃａｒｄ. Ｉ               ｗｅｎｔ               ｔｏ               ｐｕｒｃｈａｓｅ               ａ               ｓｈｉｒｔ. Ｔｈｅ               ｓｔｏｒｅ               ｃｌｅｒｋ               ｈａｄ               ｔｒｏｕｂｌｅ               ｐｒｏｃｅｓｓｉｎｇ               ｍｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ｓｏ               Ｉ               ｐａｉｄ               ｉｎ               ｃａｓｈ. Ｉ               ｆｏｕｎｄ               ｏｕｔ               ｔｈａｔ               Ｉ               ｈａｄ               ａｃｃｉｄｅｎｔａｌｌｙ               ｕｎｄｅｒｐａｉｄ               ｍｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ｂｉｌｌ               ｂｅｆｏｒｅ               Ｉ               ｌｅｆｔ               ｔｈｅ               Ｓｔａｔｅｓ. Ｗｈｅｎ               Ｉ               ｃａｌｌｅｄ               ｍｙ               ｂａｎｋ               ｔｈｅｙ               ｓａｉｄ               ｔｈａｔ               Ｉ               ｓｔｉｌｌ               ｏｗｅｄ               ｔｈｅｍ               ａ               ｍｅａｓｌｙ               $3.40! Ｃａｎ               ｙｏｕ               ｂｅｌｉｅｖｅ               ｉｔ? Ｔｈａｔ               $*#@%^*               ｂａｎｋ               ｃａｓｔ               ｍｅ               ａｄｒｉｆｔ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｍｉｌｅｓ               ｆｒｏｍ               ｈｏｍｅ               ｂｙ               ｆｒｅｅｚｉｎｇ               ｍｙ               ｌｏｎｇ               ｓｔａｎｄｉｎｇ               ａｃｃｏｕｎｔ               ｗｉｔｈ               ｔｈｅｍ               ｏｖｅｒ               ａ               ｌｏｕｓｙ               ｔｈｒｅｅ               ｌｏｕｓｙ               ｄｏｌｌａｒｓ               ａｎｄ               ｆｏｒｔｙ               *%*^%               ｃｅｎｔｓ!! Ｉｔ               ｗａｓ               ｏｎｌｙ               ｗｈｅｎ               Ｉ               ｇｕｅｓｓｅｄ               ｔｈｅ               ｃｏｒｒｅｃｔ               ｎｕｍｂｅｒ               ｏｎ               ｔｈｅ               ｌａｓｔ               ｂｌａｎｋ               ｃｈｅｃｋ               ｔｈｅ               ｂａｎｋ               ａｌｌｏｗｅｄ               ｍｅ               ｔｏ               ｐａｙ               ｏｆｆ               ｔｈｅ               ｂａｌａｎｃｅ               ｏｖｅｒ               ｔｈｅ               ｐｈｏｎｅ               ｖｉａ               ａｕｔｏ               ｃｈｅｃｋ. Ｉ               ｅｓｔｉｍａｔｅｄ               ｔｈａｔ               ｉｔ               ｗｏｕｌｄ               ｈａｖｅ               ｔａｋｅｎ               ｍｅ               ｙｅａｒｓ               ｔｏ               ｓｗｉｍ               ｂａｃｋ               ｔｏ               Ｃｈｉｃａｇｏ               ｆｒｏｍ               Ｍａｎｉｌａ. ＬＯＬ! Ｔｗｏ               ｄａｙｓ               ｌａｔｅｒ               ｍｙ               ａｃｃｏｕｎｔ               ｗａｓ               ｒｅｉｎｓｔａｔｅｄ               ａｎｄ               Ｉ               ｃｏｎｔｉｎｕｅｄ               ｍｙ               ｈｏｌｉｄａｙ               ｕｎｄｉｓｔｕｒｂｅｄ. ＢＥ               ＣＡＲＥＦＵＬ               ＷＩＴＨ               ＢＡＮＫＳ. Ｃａｓｅ               ｉｎ               ｐｏｉｎｔ:               Ｙｏｕ               ｃａｎ               ｂｅ               ａ               ｆｕｔｕｒｉｓｔｉｃ               ｓｐａｃｅ               ｖａｃａｔｉｏｎｅｒ               ｔｏｕｒｉｎｇ               ｅｘｔｒａｔｅｒｒｅｓｔｒｉａｌ               ｃｉｖｉｌｉｚａｔｉｏｎｓ               ａｎｄ               ｉｆ               ｙｏｕ               ｗａｎｔｅｄ               ｔｏ               ｂｕｙ               ｓｏｕｖｅｎｉｒｓ               ｏｆ               ｙｏｕｒ               ｇａｌａｃｔｉｃ               ｔｒａｖｅｌｓ               ａｎｄ               ｉｎｔｅｎｄｅｄ               ｔｏ               ｐａｙ               ｂｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ｂｕｔ               ｏｗｅｄ               ｅｖｅｎ               ａ               ｓｌｉｇｈｔ               ａｍｏｕｎｔ               ｈｅｒｅ               ｏｎ               ｅａｒｔｈ,               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｐｒｏｖｉｄｅｒ               ｗｏｕｌｄ               ｄｒｏｐ               ｙｏｕ               ｌｉｋｅ               ａｎ               ａｓｔｅｒｏｉｄ               ｆａｌｌｉｎｇ               ｏｎ               ａ               ｓｔａｒ               ｌｅａｖｉｎｇ               ｙｏｕ               ｔｏ               ｆｅｎｄ               ｆｏｒ               ｙｏｕｒｓｅｌｆ.                Ｂｅｆｏｒｅ               ｙｏｕ               ｔｒａｖｅｌ               ｍａｋｅ               ｓｕｒｅ               ｙｏｕ               ｐａｙ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｄｅｂｔｓ               ｂｅｆｏｒｅ               ｙｏｕ               ｌｅａｖｅ. Ｉｆ               ｙｏｕｒ               ｎｅｘｔ               ｂｉｌｌ               ｉｓ               ｓｃｈｅｄｕｌｅｄ               ｔｏ               ａｒｒｉｖｅ               ｉｎ               ｔｈｅ               ｍａｉｌ               ｗｈｅｎ               ｙｏｕ'ｒｅ               ａｗａｙ               ｈａｖｅ               ａ               ｔｒｕｓｔｅｄ               ｐｅｒｓｏｎ               ｐａｙ               ｙｏｕｒ               ｂｉｌｌ               ｆｏｒ               ｙｏｕ               ｏｒ               ｍａｋｅ               ａｒｒａｎｇｅｍｅｎｔｓ               ｗｉｔｈ               ｙｏｕｒ               ｂａｎｋ               ｂｅｆｏｒｅ               ｙｏｕ               ｆｌｙ. Ｙｏｕ               ｃａｎ               ｐａｙ               ｔｈｅｍ               ｂａｃｋ               ｗｈｅｎ               ｙｏｕ               ｇｅｔ               ｈｏｍｅ. Ｙｏｕ               ｈａｖｅ               ｂｅｅｎ               ｗａｒｎｅｄ.                Ｈｅｒｅ               ａｒｅ               ｓｏｍｅ               ｐｕｂｌｉｃａｔｉｏｎｓ               ｔｈａｔ               ｍａｙ               ｂｅ               ｏｆ               ａｓｓｉｓｔａｎｃｅ               ｉｎ               ｈｅｌｐｉｎｇ               ｙｏｕ               ｂｅｃｏｍｅ               ｄｅｂｔ               ｆｒｅｅ:                Ｔｈｅ               Ｃｒｅｄｉｔ               Ｒｅｐａｉｒ               Ｋｉｔ,               ｂｙ               Ｊｏｈｎ               Ｖｅｎｔｕｒａ                              Ａｌｌ               Ａｂｏｕｔ               Ｃｒｅｄｉｔ:               Ｑｕｅｓｔｉｏｎｓ               (Ａｎｄ               Ａｎｓｗｅｒｓ)               Ａｂｏｕｔ               ｔｈｅ               Ｍｏｓｔ               Ｃｏｍｍｏｎ               Ｃｒｅｄｉｔ               Ｐｒｏｂｌｅｍｓ,               ｂｙ               Ｄｅｂｏｒａｈ               Ｍｃ               Ｎａｕｇｈｔｏｎ                              Ｗｈａｔ               Ｅｖｅｒｙ               Ｃｒｅｄｉｔ               Ｃａｒｄ               Ｕｓｅｒ               Ｎｅｅｄｓ               ｔｏ               Ｋｎｏｗ,               ｂｙ               Ｈｏｗａｒｄ               Ｓｔｒｏｎｇ                              Ｔｈｅ               Ｉｎｓｉｄｅｒ'ｓ               Ｇｕｉｄｅ               ｔｏ               Ｃｒｅｄｉｔ               Ｃａｒｄｓ,               ｂｙ               Ｂａｒｒｙ               Ｋｌｅｉｎ                              Ｃｒｅｄｉｔ               Ｃａｒｄ               ａｎｄ               Ｄｅｂｔ               Ｍａｎａｇｅｍｅｎｔ:               Ａ               Ｓｔｅｐ-ｂｙ-Ｓｔｅｐ               Ｈｏｗ-ｔｏ               Ｇｕｉｄｅ               ｆｏｒ               Ｏｒｇａｎｉｚｉｎｇ               Ｄｅｂｔ               ａｎｄ               Ｓａｖｉｎｇ               Ｍｏｎｅｙ               ｏｎ               Ｉｎｔｅｒｅｓｔ               Ｐａｙｍｅｎｔｓ,               ｂｙ               Ｓｃｏｔｔ               Ｂｉｌｋｅｒ               Ｄｅｂｔ               Ｃｏｎｓｏｌｉｄａｔｉｏｎ               Ｃａｒｅ                              Ｂｕｄｇｅｔｉｎｇ,               ｂｙ               Ｊｏｓｅｐｈ               Ｋｅｎｎｙ               (Ｓｕｎ               Ｓｔａｒ               Ｎｅｔｗｏｒｋ               Ｏｎｌｉｎｅ)               Ｉ               ｋｎｏｗ               ｔｈｅ               ｈｏｌｉｄａｙ               ｓｅａｓｏｎ               ｉｓ               ａ               ｆｕｌｌ               ｆｉｖｅ               ｍｏｎｔｈｓ               ａｗａｙ               ｂｕｔ               ｉｔ'ｓ               ｂｅｓｔ               ｔｏ               ｐｌａｎ               ａｈｅａｄ               ａｌｂｅｉｔ               ｇｒａｄｕａｌｌｙ. Ｏｎｅ               ｏｆ               ｔｈｅ               ｂｅｓｔ               ｗａｙｓ               ｔｏ               ａｖｏｉｄ               ｅｘｃｅｓｓｉｖｅ               ｄｅｂｔ               ｔｈｉｓ               Ｃｈｒｉｓｔｍａｓ               ｉｓ               ｔｏ               ｐｌａｎ               ｍｏｎｔｈｓ               ａｈｅａｄ               ｔｈａｔ               ｉｓ               ｕｎｌｅｓｓ               ｙｏｕ               ｗａｎｔ               ｔｏ               ｓｐｅｎｄ               ａｌｌ               ｏｆ               2012               ｐａｙｉｎｇ               ｆｏｒ               ｉｔ. ＯＲＧＡＮＩＺＥ               Ａ               ＷＯＲＫＡＢＬＥ               ＢＵＤＧＥＴ! Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｊｏｓｅｐｈ               Ｋｅｎｎｙ,               'Ｏｎｅ               ｏｆ               ｔｈｅ               ｂｅｓｔ               ｔｈｉｎｇｓ               ｙｏｕ               ｃａｎ               ｄｏ               ｉｓ               ｓｔａｒｔ               ｐｌａｎｎｉｎｇ               ｆｏｒ               Ｃｈｒｉｓｔｍａｓ               ｅｘｐｅｎｓｅｓ               ｅａｒｌｙ. Ｄｏｎ'ｔ               ｌｅａｖｅ               ｅｖｅｒｙｔｈｉｎｇ               ｔｏ               ｍｉｄ               Ｄｅｃｅｍｂｅｒ               ｗｈｅｎ               ｙｏｕ               ｈａｖｅ               ｔｏ               ｐａｙ               ｆｏｒ               ｉｔ               ａｌｌ               ｏｎ               ｃｒｅｄｉｔ               ｃａｒｄ,               ｓｔａｒｔ               ｂｕｙｉｎｇ               ｔｒｅｅ               ｄｅｃｏｒａｔｉｏｎｓ,               ｗｒａｐｐｉｎｇ               ｐａｐｅｒ,               Ｃｈｒｉｓｔｍａｓ               ｃａｒｄｓ               ａｎｄ               ｓｏｍｅ               ｇｉｆｔｓ               ａ               ｍｏｎｔｈ               ｏｒ               ｔｗｏ               ｉｎ               ａｄｖａｎｃｅ. Ｔｈｉｓ               ｗａｙ               ｔｈｅｙ'ｌｌ               ｂｅ               ｐａｉｄ               ｆｏｒ               ｂｅｆｏｒｅ               Ｃｈｒｉｓｔｍａｓ               ｅｖｅｎ               ａｒｒｉｖｅｓ               ａｎｄ               ｔａｋｅ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｐｒｅｓｓｕｒｅ               ｏｆｆ               ｔｈｅ               ｃｏｕｐｌｅ               ｏｆ               ｗｅｅｋｓ               ｗｈｅｎ               ｙｏｕ               ｒｅａｌｌｙ               ｗａｎｔ               ｔｏ               ｂｅ               ｆｏｃｕｓｅｄ               ｏｎ               ｙｏｕｒ               ｆａｍｉｌｙ               ａｎｄ               ｌｏｖｅｄ               ｏｎｅｓ               ａｎｄ               ｎｏｔ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｂｉｌｌｓ               ａｎｄ               ｏｔｈｅｒ               ｗｏｒｒｉｅｓ'. Ｔｈｒｉｆｔ               ｓｈｏｐｓ               ａｂｏｕｎｄ. Ａｇａｉｎ               ｉｔ               ｐａｙｓ               ｔｏ               ｐｌａｎ. Ｗｈｅｎ               Ｉ               ｗａｓ               ａ               ｐｕｂｌｉｃ               ｓｃｈｏｏｌ               ｔｅａｃｈｅｒ               ｗｅ               ｈａｄ               ａ               ｓｈｏｒｔ               ａｘｉｏｍ               ｔｈａｔ               ｗｅｎｔ:               'Ｉｆ               ｙｏｕ               ｆａｉｌ               ｔｏ               ｐｌａｎ               ｙｏｕ               ｐｌａｎ               ｔｏ               ｆａｉｌ.'               Ｔｈａｔ               ｇｏｅｓ               ｆｏｒ               ｔｅａｃｈｉｎｇ,               ｔｈｅ               ｌｅｇａｌ               ｐｒｏｆｅｓｓｉｏｎ,               ａｎｄ               ｅｖｅｎ               ｉｎ               ａ               ｓｉｍｐｌｅ               ｔｈｉｎｇ               ａｓ               ｐｌａｎｎｉｎｇ               ａ               ｓｐｅｃｉａｌ               ｅｖｅｎｔｓ               ｂｕｄｇｅｔ. Ｄｅｖｉｓｅ               ａ               ｗｏｒｋａｂｌｅ               ｐｌａｎ               ｏｆ               ａｃｔｉｏｎ               ａｎｄ               ＳＴＩＣＫ               ＴＯ               ＩＴ!                Ｗｈｙ               ｗａｓｔｅ               ｔｉｍｅ               ｗｏｒｒｙｉｎｇ               ａｂｏｕｔ               ｂｉｌｌｓ? Ｙｏｕ               ｏｎｌｙ               ｍｅｓｓ               ｔｈｉｎｇｓ               ｕｐ               ｆｏｒ               ｙｏｕｒｓｅｌｆ               ａｎｄ               ｙｏｕｒ               ｆａｍｉｌｙ. Ｙｏｕ               ｗｉｌｌ               ｗｏｒｋ               ｌｉｋｅ               ａ               ｂｅａｓｔ               ｏｆ               ｂｕｒｄｅｎ               ｐａｙｉｎｇ               ｆｏｒ               ｗｈａｔ               ｙｏｕ               ｓｐｅｎｔ               ｔｏ               ｅｎｊｏｙ               ｏｎｅ               ｄａｙ               ｏｕｔ               ｏｆ               365               ｏｒ               ｔｈａｔ               ｖａｃａｔｉｏｎ               ｔｏ               Ｄｉｓｎｅｙｗｏｒｌｄ               ｗｈｅｎ               ｇｏｉｎｇ               ｔｏ               ａ               ｌｏｃａｌ               ｏｒ               ｎｅａｒｂｙ               ｏｕｔ-ｏｆ-ｓｔａｔｅ               ｗａｔｅｒ               ｐａｒｋ               ｗｏｕｌｄ               ｓｕｆｆｉｃｅ? Ｓｕｒｅ               Ｃｈｒｉｓｔｍａｓ               ａｎｄ               ｖａｃａｔｉｏｎ               ｔｉｍｅ               ｉｍｐｌｉｅｓ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｓｐｌｕｒｇｅ               ｂｕｔ               ｙｏｕ               ｄｏｎ'ｔ               ｈａｖｅ               ｔｏ               ｏｖｅｒ               ｄｏ               ｉｔ               ａｎｄ               ｇｏ               ｂｒｏｋｅ. ＯＲＧＡＮＩＺＩＮＧ               ＩＳ               ＥＶＥＲＹＴＨＩＮＧ. Ｄｏｎ'ｔ               ｂｅ               ｃａｕｇｈｔ               ｗｉｔｈ               ｙｏｕｒ               ｆｉｎａｎｃｉａｌ               ｇｕａｒｄ               ｄｏｗｎ               ＴＨＩＳ               Ｃｈｒｉｓｔｍａｓ               ｏｒ               ＴＨＩＳ               ｙｅａｒ'ｓ               ｖａｃａｔｉｏｎ. Ｓｏ               ｙｏｕ               ｔｏｏｋ               ａ               ｂｉｇ               ｈｉｔ               Ｃｈｒｉｓｔｍａｓ               2010;               ｂｉｇ               ｄｅａｌ-ｇｅｔ               ｏｖｅｒ               ｉｔ. Ｉｔ'ｓ               ｎｏｗ               ｐａｒｔ               ｏｆ               ｙｏｕｒ               ｕｎｐｌｅａｓａｎｔ               ｐａｓｔ               ａｎｄ               ｙｏｕ               ｃａｎ'ｔ               ｔａｋｅ               ｔｈａｔ               ｂａｃｋ               ａｎｙｍｏｒｅ               ｔｈａｎ               ｙｏｕ               ｃａｎ               ｃｏｒｒｅｃｔ               ｐａｓｔ               ｍｉｓｔａｋｅｓ               ａｂｏｕｔ               ｏｔｈｅｒ               ｔｈｉｎｇｓ               ｓｏ               ｆｏｒｇｅｔ               ａｂｏｕｔ               ｉｔ,               ｈｕｈ? Ｄｏ               ｓｏｍｅｔｈｉｎｇ               ｐｏｓｉｔｉｖｅ               ｆｏｒ               ｔｈｅ               ｈｏｌｉｄａｙ               ｓｅａｓｏｎ. Ｃｈｒｉｓｔｍａｓ               ｉｓ               ａ               ｔｉｍｅ               ｆｏｒ               ｃｒ¨ｃｈｅｓ               ｎｏｔ               ｃｒｅｄｉｔｏｒｓ.                Ｉｆ               ａｆｔｅｒ               ｔｈａｔ'ｓ               ｓａｉｄ               ａｎｄ               ｄｏｎｅ               ｙｏｕ               ｓｔｉｌｌ               ｈａｖｅ               ｔｒｏｕｂｌｅ               ｇｅｔｔｉｎｇ               ｂａｃｋ               ｏｎ               ｙｏｕｒ               ｆｉｎａｎｃｉａｌ               ｆｅｅｔ,               ｐｅｒｈａｐｓ               ｙｏｕ               ｎｅｅｄ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｈｅｌｐ. Ｉｔ'ｓ               ａ               ｐｒｏｖｅｎ               ｆａｃｔ               ｔｈａｔ               ｅｘｃｅｓｓｉｖｅ               ｓｐｅｎｄｉｎｇ               ｉｓ               ａ               ｒｅｃｏｇｎｉｚａｂｌｅ               ａｄｄｉｃｔｉｏｎ. Ｈｅｌｐ               ｉｓ               ｏｖｅｒ               ｔｈｅ               ｄｅｂｔ               ｈｏｒｉｚｏｎ. Ｔｈｅｒｅ               ａｒｅ               12               ｓｔｅｐ               ｐｒｏｇｒａｍｓ               ｆｏｒ               ｅｘｃｅｓｓｉｖｅ               ｄｒｉｎｋｅｒｓ,               ｓｍｏｋｅｒｓ,               ｓｅｘ               ａｄｄｉｃｔｓ,               ｃｏｍｐｕｌｓｉｖｅ               ｇａｍｂｌｅｒｓ,               ｓｐｏｕｓｅ               ａｂｕｓｅｒｓ,               ｄｒｕｇ               ａｄｄｉｃｔｓ,               ｅｘｃｅｓｓｉｖｅ               ｓｐｅｎｄｅｒｓ,               ａｎｄ               ｏｔｈｅｒ               ｍｏｒａｌｌｙ               ｃｈａｌｌｅｎｇｅｄ               ｐｅｒｓｏｎｓ. Ｆｉｎｄ               ａ               ｇｒｏｕｐ               ｔｈａｔ               ｍｅｅｔｓ               ｙｏｕｒ               ｓｉｔｕａｔｉｏｎ               ａｎｄ               ｇｏ               ｆｒｏｍ               ｔｈｅｒｅ. Ｇｏｏｄ               ｌｕｃｋ               ｉｎ               ｆｉｎｄｉｎｇ               ｙｏｕｒ               ｗａｙ               ｂａｃｋ               ｔｏ               ｆｉｓｃａｌ               ｆｒｅｅｄｏｍ.                Ｔｈｅ               ｗｒｉｔｅｒ               ｉｓ               ａ               ｒｅｔｉｒｅｄ               ｈｉｇｈｗａｙ               ｄｅｓｉｇｎｅｒ,               ｅｄｕｃａｔｏｒ,               ｔａｘ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｗｉｔｈ               Ｈ               &               Ｒ               Ｂｌｏｃｋ. Ｈｅ'ｓ               ａ               ｆｒｅｅｌａｎｃｅ               ｗｒｉｔｅｒ               ａｎｄ               ｃｅｒａｍｉｃ               ａｎｄ               ｐｅｎｃｉｌ               ａｒｔｉｓｔ.

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Engineer a Debt Free Life How to Stay Debt Free David Bach Debt Free Debt Free Lifestyle Living with No Debt Living in Debt Living a Debt Free Lifestyle

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