America like the UK is drowning in debt and the citizens are suffering. Learn about the types of bankruptcy in the US, the people affected and how their attitudes to Bankruptcy can be polar opposites. It discusses solutions, how bankruptcy staff assist through education to ensure debtors save money (on average up to 6%) to positively change their situation and improve their financial IQ. Paying for items in full, using cash, avoiding minimum payments, deciding of something is a want or a need and saving money for a rainy day are messages they teach first time credit card users to ensure that they benefit from others experience. By setting goals they can have what they want (even being able to move into a bigger home) and afford them. Although US based the story is similar and still applicable to the UK. Worth a listen.