An inability to manage credit, growing debt and bankruptcy are all major problems \rtoday. On an average day, over 8,000 people file bankruptcy in the United States \ralone. The Internet is rife with companies that promise help and salvation; to the \runinitiated, their words and assurances prey upon those wanting a painless \rsolution.

The January post-holiday credit card bills are often the proverbial straw that breaks \rthe camel's back, where families now have to face the problem of how to pay for the \rholiday gifts and celebrations without sliding further into debt.

Avoiding these problems, and recovering from overwhelming debt, are what Real \rLife Debt.com is all about: it's a resource site that's dedicated to helping you learn \rabout your options with credit card debt, debit cards, debt management, debt \rcounseling, privacy, deciding about bankruptcy (and the different types of \rbankruptcy), and more.

Founder Dave Taylor explains "As a private, independent initiative, we're sure that \ryou'll find Real Life Debt.com to be an excellent resource for understanding and \rmanaging your own financial issues. To ensure accuracy, the materials on this site \rare all from the United States government: one goal of Real-Life-Debt.com is to \rhelp people find the excellent material produced by the Federal Trade Commission, \rFederal Reserve, Consumer Information Center, and similar organizations."

In addition, Real Life Debt also features a weblog (a "blog") with postings from \rdifferent individuals who share their own challenges managing their personal \rfinances, including bankruptcy, credit card penalties, and much more.

Real Life Debt is an unbiased source of credit card, debt \rmanagement, privacy and \rbankruptcy information, without commercial sponsors or a sales pitch. To ensure \raccuracy, much of the material is from U.S. government sites.

Dave Taylor has been involved with the Internet since 1980. He's written sixteen \rtechnical and business books including the best-selling "Creating Cool Web Sites", \rand his most recent projects are startup \r101 info and Ask Dave Taylor.