Harvey Warren, author of Drop Debt: Surviving Credit Card Hell Without Bankruptcy advises that no action when it comes to working with creditors is worse than no money to pay them. Open a dialog with your creditors to achieve better results.

Here is the lineup of guests on BRAINSTOMIN’ with Billy the Brain for Monday, August 23, 2010. Listen at or on AM 1400 in Ventura at 10 o’clock am Pacific time.