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I was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice. So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
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BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts. I would pull a credit report to what you have going on.
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