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OnlineHost: OnlineHost: *** You are in "MoneyWhiz 1". *** OnlineHost: JCDMan777: Priority ? MWFREEDOM: I am following-what is your question? JCDMan777: How do I get the car ? JCDMan777: with the credit ? JCDMan777: bad credit ? MWFREEDOM: If a person doesn't know where the $ are going usually $ is being wasted! JCDMan777: What can I do ? MWFREEDOM: As far as credit and the car Shouldn't be a problem SWEETB3510: that's very true MW JCDMan777: How do you figure ? MWFREEDOM: in today's market of easy credit MWFREEDOM: Have you tried to buy a car yet? JCDMan777: even with late and no payments ? JCDMan777: yes SWEETB3510: you'll just have a higher interest rate than others JC MWFREEDOM: Yes-have you tried? And what happened? SWEETB3510: it happened to me MWFREEDOM: JCD? JCDMan777: Since I have never have had a major purchase such as lease or car or house I would need a co sign JCDMan777: Also car payments are very high MWDebtFree: Not if you come up with a big down payment MWFREEDOM: What city/state are you in? JCDMan777: NYC JCDMan777: New york city NY MWFREEDOM: How many places did you try? JCDMan777: two JCDMan777: what about a personal loan for a used car ? MWFREEDOM: JCD-what exactly is wrong with "broken" car? No personal loans MWFREEDOM: for this. JCDMan777: I have put 1500 dollars into the car in the past 4 months JCDMan777: and there are still problems JCDMan777: its old ! MWFREEDOM: OK now what does it need? MWFREEDOM: and HOW old? JCDMan777: 1983 nissan with 150,000 miles on it JCDMan777: the electrical system is going MWFREEDOM: I say find another used car to buy and make do. MWFREEDOM: til the cards are paid off JCDMan777: This is what I am trying to do MWFREEDOM: Make that your reward. JCDMan777: but..... MWFREEDOM: ya JCDMan777: I only have 2500 for a car JCDMan777: do you think that would do ? MWDebtFree: Are you going to sell the Nissan? MWFREEDOM: In NYC do you NEED a car OR WANT one? JCDMan777: If I can JCDMan777: I need the car I am in the bronx MWDebtFree: Or, with a $2500 downpayment it might be better to trade the Nissan in with that $. JCDMan777: I also drive to work JCDMan777: For a used car ? MWFREEDOM: Have you tried the used car lots that finance? JCDMan777: Didn't know they had them MWFREEDOM: maybe on the island. JCDMan777: what about the bad credit ? JCDMan777: will they still do it with out a co sign ? MWFREEDOM: JCD you are on the right track-bad credit is not that big of issue if they get $ from you. MWFREEDOM: Does this help? JCDMan777: any other words of advice ? MWFREEDOM: Your priority right now is transportation and the credit card pay off might have to take a MWFREEDOM: "back seat" so to speak for the sake of your survival. JCDMan777: Thank you for all your help, you really have been very help full !!! Thanks again ! MWFREEDOM: OK! Hopefully you are learning a very valuable lesson in life. MWFREEDOM: Your hosts are MWDebt Free and MWFREEDOM-any questions? JCDMan777: Yeah not to get in debt with a broken down car ! LOL JCDMan777: Good night MWFREEDOM: Or better yet stay out of debt and save $ SWEETB3510: Good night JC MWFREEDOM: Good night JCD MWFREEDOM: Hello everybody! What should we discuss tonight? NJ204you: Im 21 and considering filing a bankrupcy, because I owe more than 30K in cc MWFREEDOM: OK MWFREEDOM: How did that happen? NJ204you: Preaprove cards applications started to come in I would sent them back and thats how its NJ204you: started MWFREEDOM: Or why? MWDebtFree: Are you still able to make your minimum payments on your cards? NJ204you: my father left the house about 2 years ago and we where living on them for a whole year NJ204you: because I was going to college and only working part time at McDonalds and my mother was MWFREEDOM: Employed? NJ204you: making about the same amount of money I was making NJ204you: Yes NJ204you: I'm a paralegal MWDebtFree: Have you contacted the card companies about holding the interest and late fees? MWFREEDOM: With $30,000 in debt what are your monthly min payment total? NJ204you: my whole income of 422 a week MWFREEDOM: How do you support yourself then? NJ204you: I actually keep 20 buck for myself for the whole moth NJ204you: my mother pays the rent and the food MWDebtFree: You don't have to do that. Have you contacted the card companies? MWFREEDOM: d-can you advise? NJ204you: yeap but they don't give a dam MWDebtFree: Some of the people who have posted to our message boards have had a lot of success MWFREEDOM: NJ-MWDebtFree has good info for you. MWDebtFree: in getting card companies to stop charging interest when they get in a bind. NJ204you: how? OnlineHost: Pickle4355 has entered the room. MWDebtFree: Instead of calling them, try sending certified mail. MWFREEDOM: Welcome Pickle. OnlineHost: Pickle4355 has left the room. MWDebtFree: Explain your situation and that the only alternative you have is bankruptcy. MWDebtFree: That usually gets their attention. Plus mail often gets you past the "guards." MWDebtFree: Their collection department is full of minimum wage employees in little cubicles who receive OnlineHost: Shelly6178 has entered the room. MWDebtFree: a bonus when they collect money from you. MWDebtFree: It's in their best interest not to extend a deal to you. NJ204you: I see thats why they so rude Shelly6178: I have a question.... MWFREEDOM: Exactly. MWFREEDOM: Yes Shelly MWDebtFree: That's why you have to get past them and to the people who have the power to deal w/you. MWFREEDOM: ask away. Shelly6178: Do you guys know where I can find info on how to write up a proposal for the banks, etc.? MWDebtFree: NJ - Have you contacted a financial counseling agency like CCCS? MWFREEDOM: What sort of proposal? MWFREEDOM: TO do what? Shelly6178: want to open my own business OnlineHost: Treasure78 has entered the room. MWDebtFree: Hi Treasure! MWFREEDOM: Hard loan to get these days. Treasure78: Hi NJ204you: yeah but they didn't offer a good solution MWFREEDOM: How much $ are you looking for? MWDebtFree: Sometimes even CCCS will recommend bankruptcy when a debt gets that high. Shelly6178: Is there a book on how to do it anywhere? looking for about $80K-100 MWFREEDOM: Shelly? MWDebtFree: Write them a letter and explain that you are not trying to get out of your obligation, but MWDebtFree: it's impossible for you to pay the minimums of their card right now. MWDebtFree: Ask them to hold the interest and late payment fees and work out a repayment plan w/you. MWFREEDOM: Shelly- we can't help you. Do you own a house? Shelly6178: yes MWFREEDOM: Maybe take a 2nd on it. Shelly6178: hmmmm Shelly6178: You mean you don't know anybody with 100K layin' around that they don't need? lol MWFREEDOM: Shelly- I have a very rich friend that owns shopping center and he had trouble qualifying MWFREEDOM: for a business loan. Shelly6178: where is that at? I'm in Florida MWDebtFree: NJ - Does that help any? MWFREEDOM: Some of his centers are owned free and clear. California NJ204you: Yes, thanks that at least give me an Idea of where to head Shelly6178: wow....depressing Treasure78: Shelly if you are forced into BK your house is exempt in FL MWFREEDOM: Good point TREASURE! MWDebtFree: Let us know how you're doing - check out our message boards for more advice from MWDebtFree: others going through the same thing. NJ204you: thak you MWFREEDOM: Our pleasure. MWDebtFree: And feel free to e-mail either MWFREEDOM or I if you have any more questions. Shelly6178: I haven't been in the house very long though.... NJ204you: I will MWFREEDOM: Is the business that promising? Shelly6178: Just keep playin' FL Lotto, I guess Shelly6178: FREEDOM...it's a nightclub...so the answer would be ....NO Shelly6178: LOL MWFREEDOM: Rough and TOUGH business to be in. Shelly6178: My husband has been in the "bar business" for about 10 years...thinks he can do it so much Shelly6178: better than his boss is doing it right now MWFREEDOM: Find something else that you can make grow with little $. OnlineHost: Rodaz2 has entered the room. MWDebtFree: Hi Rodaz! MWFREEDOM: It always looks easier-some make it some don't. OnlineHost: NJ204you has left the room. MWFREEDOM: Any more questions on Credit Card FREEDOM? MWFREEDOM: Debt FREEDOM? Rodaz2: your calculations for the trade-off between investing and paying off mortgages ignore tax co OnlineHost: CGNIK has left the room. Rodaz2: consequences Shelly6178: We were told to go to a "financial/investment adviser"...and that maybe they would help MWFREEDOM: Today I received a credit card that I haven't used and was charged an annual fee. MWDebtFree: I'm glad I wasn't around when your received that. MWFREEDOM: SO I called up the cc company and asked them how to get annual fee waived. OnlineHost: Rodaz2 has left the room. OnlineHost: Shelly6178 has left the room. MWFREEDOM: There answer was " just by asking".! MWDebtFree: And the answer was.... MWDebtFree: It isn't one of those cards that will charge you an inactivity fee is it? MWFREEDOM: I was ready to exercise ''Walk AWAY POWER" if they didn't. MWFREEDOM: No. SHELL MASTERCARD=Free Gas MWDebtFree: Free Gas. Good one. MWDebtFree: As if $1.50 at the pumps isn't high enough. MWFREEDOM: Each gallon costs .10 more than other stations. MWDebtFree: Is that before or after interest? MWFREEDOM: SO you are "paying" for FREE gas. MWFREEDOM: BEFORE-You are SSOOOOOOOOOOOOOOOOO Silly. MWFREEDOM: TREASURE-what questions do you have? MWDebtFree: Say it ain't so. Not those sweet, honest credit card people! MWFREEDOM: COmments? MWFREEDOM: Criticisms? MWDebtFree: Treasure? Treasure78: Actually, I just tried asking my creditors to freeze my a/c for a few mos, but they OnlineHost: AngieHollo has entered the room. MWDebtFree: Hi Angie! MWFREEDOM: Welcome Angie! AngieHollo: Hi MW's Treasure78: turned me down. Just kind of watching for anyone else in my boat. OnlineHost: M3hammar has entered the room. MWDebtFree: Hi Hammar! M3hammar: Hello MWDebtFree: Treasure - Don't give up after only asking once. AngieHollo: Hey, MWDebtFree..I learned something interesting about you the other day from an e-mail MWFREEDOM: We are discussing CREDIT CARD FREEDOM-any questions? Treasure78: Two of them cancelled my cards. I wrote settlement offers to them offering .20 on MWDebtFree: Oh goodness. I hope it was interesting in a GOOD way. MWFREEDOM: WHat was that? Please share. AngieHollo: I am a Dave Ramsey fan...was told you used to work on the Financial Peace Newsletter MWDebtFree: Honey, I was the Financial Peace Newsletter. Seriously though, were you a subscriber? Treasure78: the dollar (i guess that's a bit low). So I wait again. AngieHollo: I just joined the club of listeners...but I have the book MWDebtFree: Treasure - Have you asked them to hold interest and late payment fees? MWFREEDOM: What is this DAVE guy all about-Angie? AngieHollo: I noticed you had a lot of the same advice as I hear on the radio from Dave Treasure78: yes but they 2 sent me cancellation letters. the other would let me make 1/2 minimums, but MWDebtFree: I created the FP Newsletter and was the editor on it. AngieHollo: I love the statement the best credit card is one that's cut in half MWFREEDOM: Angie- credit card advice is pretty standard information for most of us who study it. Treasure78: do not have the money. Husband unemployed for months now. He just started RE and Treasure78: hopefully $ will come in again soon. M3hammar: Can an individual (heavily debt-laden) contact the C.C. Co's to work out payment schedules MWDebtFree: Treasure - Did you ask them about no interest and late payment fees? MWFREEDOM: yes! m3 M3hammar: with siginificantly lower interest rates or is this a job for the credit repair men? Treasure78: Yes. I asked them to freeze all until we could get back on our feet. MWFREEDOM: M3 what is your goal/ MWFREEDOM: ? OnlineHost: BEmory8705 has entered the room. MWDebtFree: Treasure - And that's when they offered 1/2 minimums? MWDebtFree: Hi BEmory! BEmory8705: hello M3hammar: Actually I am a finance student (and debt free) but I am asking for a friend..... BEmory8705: Does this group deal with bankrupcy? Treasure78: The one who offered 1/2 mins. would not freeze interest, etc. MWFREEDOM: WHich aspect of BK? AngieHollo: I'd like to know if anyone knows how to get off of ALL those credit card offer mailing lists MWDebtFree: When we must, but we try to help people avoid bankruptcy if at all possible. BEmory8705: Chapter 7 MWFREEDOM: M3 what is your friends specific question? MWDebtFree: Angie - Send a letter to Equifax and tell them to remove your name from cc mailing lists. MWFREEDOM: OK- filed? AngieHollo: Its' tooooo much temptation when you're trying to get out of debt MWDebtFree: Treasure - Was this on the phone or through letters? BEmory8705: My husband and I just filed last week. M3hammar: well he is over 50,000 dollars in CC Debt and will paying on these for the rest of his life. M3hammar: He wants to pay off everything he owes though MWDebtFree: Angie - That's how they work and that's why they target low-income people, college kids, MWFREEDOM: OK-what is/was the problem causing BK? MWDebtFree: and high school kids. Treasure78: Wrote to all, then received answer from 1 telling me to call & I did AngieHollo: I know...but I'm not a kid......just another sucker that has finally wised up Treasure78: The other 2 just cancelled my cards & told me to call to make pymt arrangements M3hammar: It sounds like Treasure is going through this very thing Treasure78: Prior to this I always have had excellent credit. That's the thanks you get for giving them MWFREEDOM: M3- $50,000 in credit card debt? MWDebtFree: Treasure - Send another letter to the 1st company. Tell them you've always paid on time, MWDebtFree: etc. and that you will get too far behind on the payment plan they offered. M3hammar: Thats what i was told.....(His and his wifes put together) WOW I know MWDebtFree: Request again for them to hold interest and late payment fees. MWFREEDOM: What do you want to know for your friend? MWFREEDOM: m3 Treasure78: I just sent settlement offers on Sat. I will wait for their response. Then next letter OnlineHost: BEmory8705 has left the room. MWDebtFree: Don't give up and don't give in. Stay after them. MWFREEDOM: Information on what? M3hammar: The process to freeze the interest and get this paid off..... Treasure78: remind them that I always paid on time. MWDebtFree: Treasure - have you tried working with CCCS? MWFREEDOM: Are they having trouble? Treasure78: Yes. Not enough money to fund plan. MWDebtFree: That would be good to put in the next letter too. If the card company learns that CCCS MWDebtFree: has advised you to file bankruptcy, they will be scared you will. MWFREEDOM: M3-How did your friends run up $50,000?????????????? Treasure78: I told the one that I called, that I was to CCCS and not enough $ MWDebtFree: Angie - How long have you been following Dave? MWFREEDOM: Is this all credit cards.? Treasure78: I'm all credit cards. M3hammar: they see it they bought it......No college loans to speak of but possibly some M3hammar: most of it was consumer debt Treasure78: I never want to see another credit card for the rest of my life. MWDebtFree: Treasure -So many people are having trouble paying their credit card debts right now AngieHollo: About two months....I live in Nashville so he is local on the radio MWDebtFree: that it's hard to get them to listen the first few times you ask for help. M3hammar: Seperate Question: Should we carry at least one CC? MWFREEDOM: M3- Have your friends STOPPED using credit cards? MWDebtFree: Amen about never wanting to see another credit card again! MWFREEDOM: Carry? MWDebtFree: Angie - Have you cut up all your credit cards? Treasure78: Yes, It's all over the papers & on CNN. Deliquencies are up. AngieHollo: Yes...........(guilt) all but one MWFREEDOM: BK's are at an all time high. MWDebtFree: Treasure - That makes them play a little harder because they believe if you are squeezed MWDebtFree: hard enough, you will find a way to pay. MWFREEDOM: $20,000 is the average cc debt showing up on BK filings. MWDebtFree: They don't realize most people honestly can't continue to pay those high fees! M3hammar: I'm not sure if they have stopped or not..... AngieHollo: I am presently $22,000 in debt but have cut up the cards and am closing all accounts MWDebtFree: Angie - Shame on you. Want to borrow my scissors? MWFREEDOM: Maybe that is what you should tell them-STOP USING THE CARDS! MWDebtFree: Angie - Have you made a plan to pay down that debt? Treasure78: But you can't get blood from a stone. If they would only work with people, maybe Treasure78: BK level would not be so high. M3hammar: Like telling an Alcoholic:Stop Drinking AngieHollo: Yes.......I am on my way..........I feel alot better about being able to cut those up MWDebtFree: Treasure - You're absolutely right. Besides, when people file bankruptcy, credit cards AngieHollo: It was like taking my crutch away MWDebtFree: are the last things to get paid because it's unsecured debt. MWFREEDOM: Let me ask everybody HOW DID credit cards rope you in? MWDebtFree: It's in the card companies best interest to work with people if they ever want to see that MWDebtFree: money again. MWFREEDOM: M3 true but enough is enough MWDebtFree: Angie - I know. It's scary at first. Do you have an emergency fund in place? Treasure78: But why aren't they smart enough to realize that? MWFREEDOM: if they want to solve the problem they have to STOP! MWDebtFree: We're talking about credit card companies - giant corporations. AngieHollo: Working on that at the time.............making alot of changes at once MWDebtFree: I think the two are mutually exclusive. MWFREEDOM: BILLION $ profits off of us! Treasure78: I got roped in by getting 1 credit card, then they sent me more then they increased my MWDebtFree: Once you have an emergency fund in place, it won't be as scary to be without the cards. Treasure78: line of credit, continuosly. MWFREEDOM: How did you feel with that first card? AngieHollo: I have literally confiscated my husbands credit cards from his wallet :) MWDebtFree: Treasure - It's like a drug dealer handing out free samples till you're hooked. MWFREEDOM: Angie-do you pay the bills in your household? MWDebtFree: Angie - Hey, we do what we have to. You know how men can be! AngieHollo: Yes MWFREEDOM: So you see the BIG picture. M3hammar: After a safety fund is established is there any good purpose for a CC? AngieHollo: It's tough sometimes keeping track Treasure78: Well, their wrong, but we as consumers need to wise up about this too. I certainly am now. MWDebtFree: Hammar - Only to sharpen your scissors. MWFREEDOM: NO except an emergency. AngieHollo: How did I feel about that first card...when my husband and I married, he had one card M3hammar: so Freedom keeps a CC in case of emergencies? AngieHollo: I had none MWFREEDOM: Guitar picks are something to make from cut up cards MWDebtFree: Treasure - Unfortunately, personal finance is a sorely overlooked spot in education. MWFREEDOM: M3- I am in control of my credit card-want to know how? AngieHollo: so with every department store offer I got, I exercised my "superior credit rating" Treasure78: I agree. M3hammar: Lets see if our techniques match..... AngieHollo: and now here I am...up to my superior eyeballs MWDebtFree: On thing Dave says that is so true is that we are made to feel like second class citizens MWDebtFree: if we don't own a dozen credit cards. Treasure78: I think alot of people have to learn the hard way. The hungry way. AngieHollo: true MWFREEDOM: If I must use a card to buy something I make the payment to the bank the very same day. MWDebtFree: Ironically, we beg for the abuse. MWFREEDOM: Payment=amount of purchase. AngieHollo: but....I am made to feel worse in my own mind when I can't keep up with the payments MWDebtFree: And we're ashamed if we're turned down. Like we're not good enough for them to abuse! Treasure78: Payment=amount of purchase * 2 or 3 on a credit card!! MWFREEDOM: 5 more minutes folks. MWDebtFree: Angie - There's nothing to be ashamed of because you, like the rest of us, didn't realize MWFREEDOM: Treasure-please clarify. AngieHollo: I am doing better though. MWDebtFree: at the time what you were getting into. MWDebtFree: The only shame comes from repeating the same mistakes over and over. OnlineHost: MrGURU8 has entered the room. MWFREEDOM: Treasure and M3? M3hammar: Thats good freedom....I usually pay it off after the bill arrives.... Treasure78: When some people use a credit card the amount of the purchase is really double or triple AngieHollo: I don't know how you feel about Dave's philosophy, but he is like my lunchtime therapy... MWDebtFree: Treasure - You're right. And, ironically again, people use their cards to buy items on sale AngieHollo: at no charge MWDebtFree: because they don't want to let a good deal get by. MWFREEDOM: It is the best technique going-know why? Treasure78: That was me AngieHollo: Why Treasure78: I feel like such I jerk, I was an economics minor too!!! M3hammar: yes MWDebtFree: Angie - I totally believe in what Dave says and his financial philosophy. It's a wake up MWDebtFree: call. M3hammar: no I dont know why MWFREEDOM: Tell me then. M3hammar: sorry] OnlineHost: MrGURU8 has left the room. MWFREEDOM: OK- Because this technique makes you "FEEL" the purchase the very same day. MWDebtFree: Treasure - They teach us the big economic picture, but they don't show us how to break it OnlineHost: MrGURU8 has entered the room. MWDebtFree: down into the smaller components of PERSONAL finance. OnlineHost: MrGURU8 has left the room. Treasure78: Your are so right. M3hammar: I have this strange but blessed gift in "feeling" every purchase I make. AngieHollo: Listening to him at first time was the first time I have ever said "what the heck have Treasure78: Have both of you MW's been in trouble like this? AngieHollo: I done to myself" MWFREEDOM: You will "feel" it more if you PAY the SAME DAY! M3hammar: But I do see how trying to take advantage of the 25-50 day float on the money could be a MWFREEDOM: I was til I realized the big picture. M3hammar: bad thing MWDebtFree: Treasure - I never owned credit cards and never got into debt trouble, but I have counseled MWDebtFree: with many people who have. OnlineHost: Mrktmas911 has entered the room. MWFREEDOM: VERRRRRRRRRRRRRYYYYYYYYYYY bad-how good ids your memory? AngieHollo: Is it the general consenus that everyone learns the hard way? MWDebtFree: It's not because I was smarter than everyone else though. I thought credit cards were MWDebtFree: rip offs, but I felt sub-human for not owning any. Treasure78: MWDebtFree. Your lucky. I'm jealous!!! M3hammar: not that good AngieHollo: I want to be like Debt Free Treasure78: The greatest feeling must be paying for a big ticket item in CASH. MWDebtFree: Treasure - You're going to get there too. And you too Angie. You are on the right AngieHollo: Out of this hole MWDebtFree: track now. MWFREEDOM: Ok- this technique helps your memory remember you spent $. THink os the psych used with cc MWFREEDOM: Hand the merchant a cc and they return it to you in seconds. MWDebtFree: When I started working with Dave, I was surprised that he checked all of our budgets to AngieHollo: I Feel like I'm ruining my whole family's future (college education, etc) by bad judgement MWDebtFree: see how far in debt we were so he could help his employees get out of debt. MWDebtFree: He was very surprised that I didn't have any when I started working there. MWFREEDOM: WIth cash you hand over the money and get back what is leftover. MWFREEDOM: INSTANT FEEDBACK!!! MWDebtFree: Angie - No, you're saving it by changing your habits. It's the half empty/half full thing. Mrktmas911: I like to pay my bills. It is a tangable achievement. Treasure78: I would like to be able to pay my bills. MWDebtFree: Mrkt - That's why we recommend paying off the smallest debt first then rolling that amount MWDebtFree: into the next largest bill. MWFREEDOM: The "DOMINO" effect! MWDebtFree: Right! AngieHollo: Thanks DebtFree....if I get the nerve to call in, I'll tell Dave you're also a great Mentor MWFREEDOM: I t really works. AngieHollo: I am glad AOL has this service Treasure78: I'm really glad they have it too. Thanks all. MWDebtFree: Angie - He loves calls so feel free to call him any time. He'll love it. M3hammar: Thanks Freedom for the advice and insight MWFREEDOM: Where are you located? AngieHollo: I'll be back.........next Monday night....... MWDebtFree: Good! We'll look for you then. AngieHollo: who? MWDebtFree: How about you Treasure? MWDebtFree: Will you join us again? Mrktmas911: Good luck all OnlineHost: Mrktmas911 has left the room. MWFREEDOM: Your welcome M3 . THanks for the excellent work out! MWFREEDOM: You keep me on my toes. Treasure78: Probably if I have aol time left!!! On checking a/c now - real $$$ MWDebtFree: LOL! M3hammar: I know its a struggle just talking to me some times! haha MWFREEDOM: Come join us next week same time same station. MWDebtFree: Stop by or e-mail us if you have any questions! AngieHollo: Thanks MW's ...next week I'll make sure ONE MORE bill is paid off before Monday MWDebtFree: Good for you Angie! Keep going! Treasure78: Good for you Angie MWFREEDOM: Not that bad but you are tough in a nice way. MWDebtFree: Good night all! MWFREEDOM: Good night! AngieHollo: Nite Treasure78: Good night and thanks again. M3hammar: I just want to remain debt free for life and can use all the help I can get:) OnlineHost: Treasure78 has left the room.