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AT THIS MOMENT OUR CITY AND STATE … 1. IS $140 MILLION DOLLARS IN DEBT. RANKED AS THE 5TH MOST BANKRUPT CITY IN AMERICA. (article in Business Insider.com – 04/11/2010). 2. HAS THE 3RD HIGHEST PERSONAL CREDIT DEBT IN AMERICA WITH AN AVERAGE FAMILY CREDIT CARD BALANCE OF $8,930.00 (article by Kristen Consillio – Star Advertiser 08/11/2010). 3. IS THE 7TH MOST EXPENSIVE CITY TO LIVE IN AMERIC…