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co-sign the Dave Ramsey thing. We've been following his plan for 3 1/2 years and we recently took over teaching the FPU class at my church from the couple who was teaching it before.
I wish bankruptcy wasn't an option... too many people abuse it and don't learn their lesson. Even if you get a ton of medical debt for whatever reason, there are ways to talk to the hospitals and doctors to negotiate a way to get some of the balances waived, and a payment plan for the rest. Dave has described how to do this on his show many times.
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AΞΔ - Courage, Graciousness, & Peace
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