I've never heard of this guy.All of the debt gurus say the same thing. "Stop spending money and repay your debts. Everyone can pay off their debts."Well, it's just not true. You need to explore all of your options. Look at repaying your debts but if you can't repay your debts speak with a bankruptcy attorney. I wouldn't even consider going to a credit counseling agency. It will wreck your credit because they will negotiate with your creditors to repay less than what you owe. If you have bad credit already, consider filing for bankruptcy. (Most debts can be discharged in Chapter 7. Student loans, child support, court ordered fines and taxes cannot be discharged.)Good luck.
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