Sometimes, things get awry. Markets come falling. Deals go bad. Suddenly, people find themselves head and ears in debt -- from cash or from bad credit loans. Believe that there is hope. Money is available for those who are wise enough to make it right the second time. One need not suffer from bad credit credit cards any longer. Solvency issues can still be resolve. But it is important to take note, that in using credit to settle an account or pay a bill, responsibility is always the key. And discipline is the fuel behind the key.