| Nick and Jose are talking |
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 | I am in debt man. | |
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| WHATTT. I heard Debt comes in many forms. It is usually in the form of credit card balances, a home mortgage, car loans, and personal lines of credit | |
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| The conversation continues. |
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| Yes thats all true but I have credit card issues. | |
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| You need to go to a debt relief service. You get advice on how to deal with your mounting bills or create a plan for repaying your creditors | |
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| Jose is right since he take online Personal Finance |
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| Yes you also need to have a fixed budget from now on. You need to list all your expenses and mange your money very wisely. | |
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| WOW Jose you know alot. Thanks man. It will really help. | |
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