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I used to wonder how people ended up with financial problems. I thought that you just don’t spend more than you make and then you wouldn’t have a problem. I thought that keeping a credit card for emergencies only was a good idea. I never realized how easy it is to get into trouble. I recently had to file for Personal Bankruptcy and I am glad that I did. I have been making my monthly payments and things have been going very smoothly. It is nice to know that I have been given a second chance to get my finances on the right track.