First of all, you are not a horrible person. As I have learned, bad things can happen to good people. Although, itA[a–a[s time then to end your denial. I suggest you repeat after me, A[a–AIA[a–a[m in debt.A[a–A Collectors are calling both day and night. IA[a–a[m tired of hearing the word no and being afraid to answer the phone. IA[a–a[m ready to admit I need help. I havenA[a–a[t been financially responsible in the past. But it stops today. Today is my day, though, to start taking control of my debt. Your future. You too can end the rejection letters and harassing calls. This book is here to help you climb out of your seemingly endless financial pit? It wonA[a–a[t be easy or pretty. It also wonA[a–a[t happen overnight. However, with dedication, blood, sweat and tears, I have conquered my debt troubles along with my sleepless nights. Now, you can too.