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Hello again:

A couple of weeks ago I started a lengthy thread about my particular CC problems called "Get me off this crazy machine". Very briefly, I'm a 34 year old overwhelmed with $60K in CC debt, has a $250K 401K, and is considering chapter 7 BK.

Many Fools asked me to tell them how I managed to get my self in to such a mess. I had to leave town on business and promised that I would answer after June 4th.

I just got back last night. I don't anticipate getting a couple of free hours the next two weeks to compose a well written explaination. I will though. I need to do this to force me to come to grips with this debt.

I browsed the messages on this board this morning. One fool described how his CC problem grew so large. I couldn't have described the process better. He mentioned that having multiple CC's allowed him to raise his monthly living expenses to eat up all montly income. Numerous small "emergencies" charged to the cards over the last 5 years built up to some very serious debt.

In general, I got in to this much debt the same way. My "emergencies" are unique to my family of course, I and won't bore you the details here.

I would like to thank the fellow Fools for making this forum possible. Knowing that I can discuss my problems and get sold ideas and encouragement has given me a ray of hope of achieving a debt-free future.
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