So true. Buried myself in my youth, decided to deal with a credit management company, after a year of making payments to that outfit, i did a little research,discovered the management company keeps a large portion of my payment.
Contacted the businesses i owed and made arrangements and managed to pay them all off on my own. Debt management tried to give me a hard time,i offered to meet him in court. He disappeared pretty quick.
Bad decisions.
Told my son the story, he caught on and is doing very well.