We know it can be hard to spill it all out to a stranger, to talk about your debts openly. After all, we’re Texans. We’re tough. We boot strap it all the way and handle our own situations, for better or worse. However, today it is a different situation. Many families are in trouble because of circumstances beyond their control. They were just going about their daily, responsible life when the economy jolted into lasting turmoil. And, suddenly, they found themselves caring for teens and elderly parents, laid-off, and surviving on credit cards.