·         You think of credit as cash, not debt. ·         Your debts are greater than your assets. ·         You owe more than seven creditors. ·         You are an impulsive or compulsive shopper. ·         You and your spouse are dishonest with each other about your use of credit. ·         You don’t know how much your monthly […]

Far too many people find themselves trapped by debt.  I want to address a number of borrowing and credit issues.  Perhaps the greatest need in families today is understanding the consequences of being trapped by debt with limited income and in a financial position where it seems like it will be impossible to recover.    […]