Wanna do something to help? The first thing you'll need to so is help yourself. With the economy like it is these days,I think a lot of us could use to straighten out our finances beforewe move on to higher considerations like preserving the species. I myself have over $58,000 in credit card debt, and no light at the end of the tunnel. The first step for peeps like me is to consolidate my loans. The easiest way to do that used to be to get a home equity loan. But these days, with credit being o tight and banks not even willing to think about a loan with no credit check, I've had to look elsewheres. No easy answers here folks. I think it's a lean end to the decade, and the only thing we're going to see is a lot of people needing foerclosure help. If you see yourself heading down that road, or toward bankruptcy, do what you can earlyto prevent yourself from having to lose it all. Try to stay in control and not get frozen by your emotions. Get help early and keep it from snowballing. Good luck!