Personal bankruptcies totaled almost 1.5 million during the first six months of 2002; up 8.6 percent for that same period in 2001.- Take control of your financial situation by understanding your credit report, your debt load and your legal rights for both.- Improve your credit rating by resolving discrepancies on your credit report.- Reduce your monthly payments by prioritizing, managing and settling debts.- Change your mindset about money and learn...