That would be Dave Ramsey.
He has a course (I think it costs a couple of hundred bucks) that teaches about money and financial responsibility etc etc.
Wow, great advice from you Freepers, keep it coming and thanks! I will have her read this thread.
I listen to Dave Ramsey sometimes, completly forgot about him, thanks!
Contacting the creditors and working out a deal, sounds like really good advice too!