Get out of debt helping each other.

Listen I'm not here to jerk anyone around. I have a wife and two kids and am in debt up to my ears and you know what no one is going to help.... No one except each other. Let's face it when we're in debt we feel like we're trapt, we hae to go to work and yet the bills keep pilling up and up.... My electric bill is close to a thousand, my car bills are close to repossesion, I can't afford anything and you know what? I'm scared.... But I found a few things that should help out everyone. One should help people get out of debt and the other should help them stay out of debt for a very long time. I've looked them over many times and can't find a scam in ethier one of them. It's just people investing in people to help thme succeed in life. So please let's help each other succeed and get out of the predicument we are in.