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we'll see more of you tomorrow morning as well. meantime, this is a pivotal day in the 2012 presidential race. the nation's first southern gop primary is happening right now in south carolina and the contest promises to be quite the cliff hanger. we'll get you the latest dramatic poll numbers in just a moment. but first, the two leading contenders in the state, newt gingrich and mitt romney, actually ended up campaigning in the same spot this morning. tommy's country ham house in greenville, south carolina. cnn national political correspondent jim acosta was there to see it all u...

Program. they're not wiping out or negotiating your debt, they deal with your creditors, it goes on your credit report. you send one check in and they pay the bills. they are supported by the credit card companies, but they'll tell you, if your case is hopeless, they'll lead you to a bankruptcy lawyer. don't get ripped off. nfcc.org. >> that drastic, bankruptcy, hopefully that doesn't happen for people over christmas. not what it's about. i've got a trick of my own, when you spend a lot of money over christmas, people want to lose weight, just don't eat. you can kill two birds. >> don't eat. t...

manchester tonight. cnn political editor paul steinhauser is there and so is cnn's political reporter shannon travis. good to see both of you. you look very happy. i know you've been working your butts off, but you look lively. paul, let's start with you. there is a debate tonight, another tomorrow. why are they so important? >> well, listen, don. we've seen the whole cycle of debates, they've been so outsized in importance like we've never seen before. the debates make and break candidates t. they broke rick perry. they've broken herman cain and some others. well, that could happen ...

Education at smart credit.com. let's get started with jane in tennessee. she asks can you tell me a credit card debt relief agency that i can trust? this is a great question, john. >> there is no generally accepted good guy in the debt settlement world but i'll tell her where to find the absolute best one. just look in the mirror because she can do it herself. she doesn't have to pay someone to do it for her. if she does want some help to facilitate the process of dealing with credit card issuers, go to one of the member agencies of the national foundation for credit counseling at nfcc.org, en...

>> time now for the help desk, where we get answers to your financial questions. joining me this hour, jack otter, executive editor of money watch.com and lynnette, columnist from wallop pop.com. this question is, since my wife lost her job, i've been using credit cards to pay our bills, including our mortgage. worry no longer able to make the minimum monthly payments. do you think credit card companies will accept less than minimum payments? can you recommend a reputable company that can help us? >> a tough situation. yes, the starter, the national foundation for credit counseling, nfcc.org. ...