I found out today that all my credit cards were nearly maxed out. Life has been tough the last few years, and my credit cards are what got me by. Thankfully things are better for me now but I am stuck paying all this debt off. This was not a great thing because recently I needed to get a brand new central heating and air conditioning system and did not have thousands of dollars in cash to buy it up front. I would have charged it on a few credit cards, but because they are all almost maxed out there was no way to do so. I had to wait on the central heating and air conditioning system and just hope that my current heat and a/c unit does not break down before the time comes where I can afford it. In the event this does happen, I am going to need to probably see if I can get some kind of HVAC payment plan from my local heating and air conditioning company in order to buy the brand new and up to date central heat and a/c unit. If my local heating and air conditioning company does not have this set up, I will have to look out of town to a heating and air conditioning company that does do HVAC payment plans. Because I need a brand new central heat and a/c system unit one way or another in the very near future no matter what I have to do to get it!