Financial difficulties make life unbearable at times. Do you file for bankruptcy? Do you work with a debt consolidation company? What is your best move to recover from the financial issues you are experiencing? I had no idea what to do when my husband lost his job and couldn't find another one for six months. By the time he was back to work, we were so behind on our bills that I turned the ringer off on my home phone because I got tired of the collection calls. I was lucky to find a very good debt counselor to work with. She taught me many things about getting out of debt and avoiding the mess again in the future. I have taken what she taught me and constructed a website to help others going through the same difficulties.