A picture is worth 1,000 words, right? Take a look at the below bill that a friend recently received from the IRS. A couple of years ago, wishing to stay out of bankruptcy, he personally called a credit card company and negotiated a $31,000 credit card bill down to just about half. He slogged his way through several months of burdensome monthly payments but eventually he paid off the remaining debt and was very proud of himself. Now, looking back maybe the credit card represe