I want to tell you that I had been through a lot of bad experiences when it came to financial debt.  Believe me, getting out of bad financial debt was more difficult than what I thought it was.

I thought that I could pay this whole debt off by myself.  I felt that I did not want any advice from people because I thought that I had to prove myself right that I could pay off my debts.  But I was wrong.

So at least my in-laws told me lessons about not getting involved with home businesses or other things that can rip you off on the internet.  Because people like to take advantage of a lot of people that way just to get their money.  It was a very bad idea that I had thrown money away on interest and it would take a number of years to pay off the credit card debt.

That's why my in-laws had suggested a bankruptcy lawyer so that I would not have to pay the credit card collectors anymore money.  My in-laws were right at least to help me out.  I know that they were disappointed in me when I told my brother-in-law as well.   I just can't believe that I did this big mistake twice now.  I am sure that I have learned my lesson this time so that it would make me understand not to do anymore on the internet; due to the fact that I had got ripped off by those people.

Please be aware that you don't know if they're scamming you with information.