TwinFather,I have been there myself and I certainly do not want to kick anyone while they're down because it is a particularly frustrating time in anybody's life. I agree that is the last thing you need when you are already feeling stupid, depressed and downright miserable about your financial situation. At the same time, I don't think its appropriate for anyone to expect to get out of the situation with no sacrifices and without paying the consequences to their credit report. It's my understanding that this board is here to support the person who is willing to do what it takes and wants honest advice about how to make it work or what they will face if they do not take corrective action. Also it is a place for them to vent their frustration and know others have been in their shoes. I stayed here after my first "lurk" because I felt these people knew where I had been and where I want to go, and might be able to provide some support and suggestions along the way. I don't think this board is a good place to get advice about how to run up debt then get off scotch free so it can be run right back up again. That isn't reality and the best place for that kind of advice is probably a bankruptcy lawyer's office. I can only speak for myself because I dont know these other posters in real life, but I fully support the person who comes here in financial trouble, regardless of the reason, and who wants real help in reducing expenses, setting a budget, recognizing needs versus wants, dealing with specific credit problems and addressing their debt. I think that is the spirit of the board and most of the posts here.