 Leah Acker, personal financial counselor here in Bethesda, Maryland. This entry today is about debt problems, and I'm coming from the perspective of having a debt problem myself. In fact, I was very, very hard headed about dealing with a debt problem. In fact, I refused to deal with it until I received the summons to go to court. Luckily, I was able to settle this before getting in front of a judge, but the entry that I'm going to present to you today is talking about how to work through debt problems so that you don't have to face going to court.