Whether because of poor fiscal planning in the past, poor choices spending money on credit or for other reasons such as large medical bills, many people are already drowning in the proverbial pool of debt.

In This Chapter:

Getting Out of Debt

There are a number of different ways for getting out of debt. It will be difficult to get out of the hole but it is possible if you are willing to do it.

but I still have my Credit

I am crawling in Credit Card Bills but I still have my Credit

Paying off Credit Card Debt

How to properly pay off excessive credit card debt

Medical Bills are piling up...

Medical Bills are piling up and I am hopelessly in debt

Everything is Gone

I blew it … everything is gone

Identity Theft

Not everyone drowning in debt is there because of poor decisions on their part. Many people are the victims of identity theft.

Poor Financial Decisions

People often make poor choices either from a simple lack of knowledge and understanding about how something works and the consequences involved; simply making poor purchasing decisions based on ignorance or apathy; or a complete lack of concern for the consequences of their actions.

My Credit went from Solid Gold to Put on Hold

This section is for those people whose credit has been destroyed, by whatever means.