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Hey Susan: I commend you for your positive attitude. I'm living proof that you can do it. With support from this board (mostly from just reading inspirational posts of people who had "been there, done that"), I dug myself out of $20,000 of debt. FYI-Most of my debt accumulated quickly in the spring of 1997, due to some uncontrollable circumstances. Three years later, writing that final check to pay off my AMEX balance brought on the vapors. YES!! - You can do it too. Best to you - Terz
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