After reading the post my eyes immediately went to your username and post count to make sure I read it right the first time.

Primed and ready to throttle a spammer. lol
Yup, I'm familiar with his methods. It's actually pretty popular and has been for a while. There is a name for that method but I can't remember it.
We didn't use the exact method and we were very fortunate to start making more money to help pay ours off. Never really got in bad trouble to start but we are debt free for the most part.
I struggle every day not to put a set of Forgelines on a credit card. But I can't allow myself.