you're going to put in your zip code and then it will take you to the closest national foundation for credit counseling office, where you will be able to make an appointment with a housing counselor. and with their help, hopefully you'll be able to get this thing moving for you and your family so that you can keep your home. steve, you are headed to retirement. congratulations to you! >> caller: well, i had things go right, clark. i appreciate that. i'm just laying it out right now. i guess my question is, i've been -- let me back up. i don't know if it's once a year or twice a year, you know, the social security sends you a statement saying you have so many credits based on -- shows your income over the years and shows if you retire at 62, it's approximately this or at 65, full retirement. i want to know if you have any idea how accurate those numbers are. >> very. >> caller: okay. >> those are very accurate, because especially as you get close to retirement, they are almost right on the money. >> caller: that's good. i'm pleasantly surprised. >> so that's not something to worry about. by the way, you

that is something that she may be eligible for through a local affiliate of the national foundation for credit counselinglly what happens is the interest rates go to zero. and there's no fees associated with it at all. and if over time she can pay off the balance, she pays off the balance. if there's any issue that a creditor may at some point attempt to seize money in a bank account, direct deposit of social security should stop and people should go back to receiving a paper check and that's what she should do. >>> mike is with us. mike, you're having a problem with a bankrupt cable company? >> caller: it's bankrupt, i wasn't aware of that. yeah, back in may i was paying my bills online through my bank. and inadvertently paid the cable company the amount of money i was paying to pay off my credit card. they were one below the other. and didn't think anything of it. clicked pay the way i normally do, until several days later the bank sent me an email notifying me that it had actually paid the bill and i looked to see that it was the cable company and i panicked. and they since may have had $938.70. i can