Is your life unmanageable because of credit card debt and overspending? Do you chronically not generate enough income to take care of all your needs without debting? Are you sick of bouncing checks, paying late fees, and having creditors calling you on the phone or knocking at your door?
If so, you are in the right place.
First and foremost, we suggest that you stop incurring any new unsecured debt, one day at a time. Unsecured debt is any debt not backed up by some form of collateral. Although refraining from compulsive debting may be difficult and painful, it establishes a solid foundation for recovery.