Comment: I encourage folks to look up the technique of

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I encourage folks to look up the technique of

"debt validation" - There's also a great talkshoe where people are having many victories and actually making BAR members head for the hills.

http://www.talkshoe.com/talkshoe/web/talkCast.jsp?masterId=5...

The website they discuss on there is $49/mo - while I don't have that kinda "money" lying around I think it's a great deal for the information that is provided in condensed form for those who do not want to do the years of research I have done.

I feel I can confidently endorse Jesse's site and well worth the investment when considering the alternative - flying blind and researching on your own.