[LibKill]

Hmmmmm. By cutting out some luxuries, living within my (modest) means, and paying as much as possible each month I paid off one credit card last year and will finish the other this month.

When I started I had debt equal to about 3.5 months take-home pay.

Admittedly some outfits like Chase are really out to screw their cardholders and my credit-union is not.

But all other things being equal one can get out of debt without recourse to government intervention.

Oh, I didn't cut up the card I paid off and won't with the other. I am keeping them for things like gasoline, real emergencies and the like. But non-necessary stuff is no longer in the equation.

[Rakkasan1]

nah,nothing can be done about anything anymore without gubmint intervention.

reminds me of the dram shop laws. 'I crashed my car because you made me drink.'