Article: Debt overload: 7 ways to pay it off, plus warning signs that you're in over your head.(CONSUMER LIFE)

A TINGE OF DESPERATION LINGERS in Nelanye Moore's voice when she speaks about her nearly $100,000 debt and the accruing interest. "My financial situation is really in shambles, and I don't know which way to go with it," she says.

Due to a pending divorce, Moore, a 39-year-old teacher in Chicago, and her three children had to leave their house over-looking Lake Michigan and move in with her father. Her 2002 Chevy Avalanche was repossessed in 2004 with $15,000 still owed on it, and she had to begin taking public transportation when her replacement car was stolen last year.

Just a few years ago, Moore was living a seemingly dream life. She and her husband, ...

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