Are you in debt?

Once you've found yourself in debt it may feel like a downward spiral from which you don't know how you'll ever regain your footing. It's hard enough to find simple answers and may seem impossible when the agencies constantly call your house and threaten the security of you and your family. Ultimately your decision to choose a loan, a debt management program, or a consumer counseling program to avoid being broke, should be based on your finances and your monthly earnings.

Whats the hold up?!?