Debt-Ans.Com

Dear Bruce: I am 46 years old and have been married for 26 years. I earn around $90,000 a year. My wife is a nurse, and she works intermittently because we have a young child. My credit-card debt exceeds my annual income. I am starting to get concerned about having enough to retire on, let alone getting this burden off my back. Are debt-consolidation services a good approach? Is Chapter 7 a ...