
Being in debt is never going to easy and often people feel so guilty that they bury their head in the sand, which causes even more problems (and often even more debt!)
If you are truly facing up to your debt and willing to make a stand and get out of debt then this is a good starting place, for having been in debt myself, I can provide first hand advice as to the steps that I believe helped get me out of debt and other tips that I've been handed from friends and colleagues that have worked....