jdbrown919 asked: I would like to do the “Dave Ramsey” method to snowball my debt, but I don’t have enough money to start. What are the negatives for looking into a debt relief program? If any?

P.C. asked: I’ve accrued debt due to the fact that I had medical problems, and was unable to maintain minimum payments with a creditor. As a christian, paying off the debt is important to me, versus filing for bankruptcy. If you were in this situation, how did things turn out for you after prayer? What [...]