RIVER CUTTING AT THE COTTMAN PLAZA LOCATION IN THE NORTHEAST. NEW STUDY LOOKING AT CREDIT CARD DEBT OF AMERICANS FOUND MOST HAVE BEEN IN DEBT FOR AT LEAST TWO YEARS. ACCORDING TO CREDIT CARDS .COM 39 MILLION AMERICANS HAVE BEEN IN THE HOLE FOR A MINIMUM OF TWO YEARS AND ANOTHER 8 MILLION, CANNOT EVEN REMEMBER HOW LONG THEY HAVE BEEN IN DEBT. EXPERTS SAY BEST WAY TO DIG.