My wife and I were watching TV last night when our daughter and her husband stopped by to talk to us. This was a little unusual; they usually only came over on the weekends. At first I thought they were going to tell us they were expecting a baby, but ruled that out when I looked into my daughters eyes. Something was really troubling her. They told us that they were having a really hard time managing their credit card payments. They were in over their heads. I offered to loan them some money but they quickly refused; they wanted to work this out on their own. They just wanted my advice. I suggested that they find one of the programs that work with you to consolidate debt into one affordable monthly payment. I have read a number of successful stories about this.
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