So you are in debt-who isn’t these days? We live in a society that encourages people to go into debt. Credit card commercials tell us that a trip to Jamaica is just what we need, regardless of whether we can afford it. (That’s what your gold card is for, right?)

Loan brokers want us to borrow up to 125 percent against our home equity. Even the federal government just had its first balanced budget in a generation and now faces the enormous task of paying off over trillions …

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There is no doubting it that we are well and truly in the midst of a global financial perplexity and credit crunch which means that more and more people are in fixed need of pay day loans now in order to make ends meet. In this day and age it looks as though that the point of conversation seems to be focused on debt consolidation and how to best get through the current big trouble that many

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