Oh joy it doesnt work!
I really dislike these so called professionals at companies like Microsoft and Abode!
Stop playing games and get on the job
"How to get out of debt" should read "How to make others pay for you not honouring your obligations" because that what happen every time someone doesn't pay up. So thanks for posting this post , I look forward to getting another letter from my bank advising me that the rates have gone up to compensate for everyone that hasn't paid!