For biblical advice I am better off asking Hank Hanegraaf (whom bye the way knows more about the bible than all you combined). For debt advice I read what the bible says and read what debt stats say. I know that debt rates are higher in certain states and areas than others. Bankrupcies are not all that uncommon, and not everyone that files is a bad stuart (contrary to what you believe). Also contrary to what you believe, there are many people who live in remote areas that WANT AND NEED jobs, but CANNOT FIND THEM. They look everyday for ANY JOB, but cannot find them! My friend kenneth was looking in Shasta County for 6 long months for ANY JOB, but was unable to find one, until recently when he got hired at Target. However the job is only part time, and he sees no way he will ever get out of CC and student loan debt. Yes kenny wants to get out of debt, but he cannot until God porovides and a way, and perhaps God will not. God does allow many christians to get into debt and not to get out. Many do try to get out, but many fail. We live in a tough society. But if you live in remote states like Alabamba I do not expect you to understand California economics. And quite frankly asking for advice here was a HUGE MISTAKE. You people are very ignorant. The credit lawyers know 10 times more than you guys do. KNOW PLEASE DELETE MY ACCOUNT! This is the third time I have asked. I want nothing to do with you idiots. Dont ever contact me again. If you do be warned that I tape record every unwanted phone call. My life is very normal and without enemies at the moment. I have good work refs and good pastoral refs. You invade my privacy and I will file a dafamation of character lawsuit and contact the police for stalking and harassment. I want you people out of my life. The Internety is filled with crazy lunatics and so nothing I say will not be heard. What matters is what my life is like offline, and as mentioned I have no enemies at the moment and have good refs and friends. DELETE MY ACCOUNT!!!!