I never even imagines I would have it.

In 2003 I got myself into a three year long adventure - unplanned pregnancy, emotionally disturbed wife, short & painful marriage, long & painful divorce. After the dust settled, I found myself the "proud" owner of a debt in excess of $100,000. I am now slowly struggling to find my way out of the rubble and into freedom and light. I know I have a long way to go but I'm usually able to maintain my sense of humor.

Everything was going (more or less) fine, until one day I got a phone call from a company called Americare Software Solutions. The woman on the phone was very nice and explained to me over the phone why I should trust her company and pay them $990. She guaranteed they will be able to save me over $4,000 in credit card debt or I would get my money back. They would work with me on a more efficient payment plan and will also negotiate down the APR on my credit cards.

As cautious as I tried to be, it sounded like a really good deal.

Now, I'm the kind if guy that usually shreds all the junk mail I get with credit card offers and debt consolidation offers and what not. I don't trust these people, especially after spending some time educating myself on the credit & debt industry in the US - it's really scary.

But, at the same time, my agonizing experience in the recent years lead me to spirituality and to the belief that good things come to those who are good. I've been a good person all my life - considerate, sensitive, honest and fair. I was kind and generous towards my ex-wife throughout even as she was abusive and mean to me. I never hurt anybody intentionally.

So I was waiting patiently for several years for some good news, for a sign that Karma still exists and that good people win at the end. Americare Software Solutions' phone call caught me exactly in that state of mind. I figured that was the sign I was waiting for. I figured my luck has changed and things are going to be better now.

They weren't.

A few months later, after several interactions with them and several failed attempts to reach them, as my suspicious grew, I've given up on getting any help from Americare Software Solutions. They still have my money and they did nothing to help me.

Yes, I feel betrayed (again). Yes, I feel helpless and hopeless. I still have this huge debt weighing on my shoulders and I feel very alone. But I know I'm not alone, because if you're reading these lines there's a good chance you're in a similar situation.

When Americare Software Solutions called me, as I was with them on the phone, I looked them up on Google. There was nothing. No other website other than theirs came up. That was weird, almost unbelievable.

So now, after I'm a little bit wiser (why are these lessons so expensive, ha?), I wanted to do something about it. Fortunately, I'm a web developer. So I put this website together to allow people like me, deep in debt, to exchange ideas, experiences and knowledge, and most important - remind ourselves that we are not alone.

I encourage your to share openly but stay anonymous..

I also would like you to know that I choose to continue to believe in Karma and to be a good person.