 There is a better way to get help. Talk to your creditors directly or to find a nonprofit agency near you. Visit DebtAdvice.org. DebtAdvice.org. Real solutions for real people. This has been a public service message. It's the Bill of Rights, not the Bill of Needs. I'm Alan Gottlieb, founder of the Second Amendment Foundation. When someone says, we don't need that kind of gun, remind them the Founding Fathers determined what rights our Constitution should protect.