By Alexander West
 The first thing to do is to stop running from the bill collectors and looking at your caller ID before you answer the phone. You realize you have a problem, and it is time to get yourself to a financially stable point. By facing up to your responsibilities you are sending a message to yourself that enough is enough and you're going to do something about it. They say that the first step in curing an addiction is to admit that you have an addiction. As with anything new, the first steps are the hardest.
Another thing to do is to get rid of your credit cards. If you feel it is necessary for you to keep only one, for emergency use only, you can. The reason is because of the interest charges that you pay. Credit cards charge a high rate of interest which if you continue to leave unchecked will spiral out of control, leaving you more work to do to achieve debt relief. People have said that when your credit cards are ripped up either by you or someone who cares |
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