Thanks Karen,

I'll check on the Inheritance Strategies Board for sure. The big debt isn't credit cards. I learned my lesson on those in my 20's. The only one I carry (or use) now is one for when I travel on business and that's paid off by my employer.

The big debt is a time-share (We love it, but paid too much for it), a car, and some student loans.

Thanks again for the tip on the other boards.
Chris