Getting out of debt

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How many of you are in hock up to your ears right now? How are you coping, especially in these hard economic times? C'mon, don't be embarrassed about it? It happens to the best of us. At any time, medical bills, credit card bills, etc., can pile up very high. You lose your 6-figure job, and month after month your creditors call. You tell them that you lost your current job, but you should have a new one really soon (big mistake, I can tell you from experience). The calls don't stop as the bills continue to pile up higher and higher and higher. Soon your home goes into foreclosure; your car gets repoed. What can you do to stop the madness? File bankruptcy? Not the best option. What I am doing now, is to pay off one bill from one creditor at a time. Since I have already been through bankruptcy, I have learned a very powerful lesson: No more credit cards. They are the worst form of debt. Did you know that some credit cards charge for non-use, and such non-use could actually LOWER your FICO score? Be that as it may, how are you coping with the current economic climate? How are you dealing with debt? I want to hear from you especially if you are among the countless people who have just, through NO FAULT OF YOUR OWN--got laid off.