"The only man who sticks closer to you in adversity than a friend is a creditor."  ~Author Unknown

One of the major problems in our modern, frenzied society is depression - that distressed state of mind that so interferes with the kind of happiness each of us wants to enjoy.

One of the significant causes of depression today is indebtedness. It is so easy to pile up debts, and so difficult to get out from beneath this burden, that many feel almost hopeless.