Or at least free-er than most. I'm from down south, and I'm a young man with plenty of resolve. I don't have any unique info to contribute, but I have plenty of experience in the credit/financial industry, and I've helped a number of people deal with collectors. So if any of you are facing that, I may help. Or, if you're using credit cards and want to learn a way to make those cards work for you, we can talk Otherwise, I plan to learn as much as i can from yall!