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Step 1
Deal! That's right you have to Deal with debt. Debt can consume you and take over your life. It can make you feel less of a human being. But it does not have to. First thing you need to do is to pick your self up. That's right. Pick your self up and deal.
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Step 2
Next you need to gather all of your bills and stack them up before you. If you have a debt that you don't have a bill for then you need to write it down on a piece of paper and put it in the stack. Oh yeah add your credit cards to that stack too.
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Step 3
Call all of the companies you owe. Tell them about your financial situation. Explain that you need to work out a payment plan that can suit you and get them paid off. Don't let the companies push you around be firm. Be honest. This is what I can do take it or leave it. Your creditors can not kill you. You are in charge of you. While you are at it cancel your credit cards and cut them up . You will not be needing them . If you can't pay cash for it then you don't need it.
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Step 4
Now that you have made those phone calls and worked out payment arrangements. Take a deep breath. You are now dealing with you debt. Work towards getting paid off. Don't go out and buy more things to put you in debt. Be happy about the light at the end of the tunnel you just created for yourself.
