hello from austin... time flies!... especially when one day you wake up to owing every saint a candle... and you don't even remember how it started racking up!  for me it was years of not making enough to support children and just letting things go... utilities, taxes, small loans... now i am all grown up, my children are gone on their way and i am stucked with a horrible credit report and maybe 15 more years left of productivity.  i have to find a way to get all this old debt repayed and to find a way to live maybe not in wealth, but in peace and dignity!... this is my introduction.