Knowing you're in debt can give you a feeling of despair. And it may not be, because of careless spending or frivolous and extravagant purchases on unwanted items. It may just be a case of bad luck, where you have been laid off and your savings have dried up and there is no other option but to obtain credit. The bills may pile up because you're thinking that before it gets any worse you will have a job and make the repayments. We all know that plans go awry and then before you know it, you are drowning in debt. This does not have to be a bleak end for you, there are programmes designed to manage your debt allowing you to make low and affordable repayments....