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    Debt is a force that can totally take over your life. And you might not even realize that it is happening. Then one day, you wake up and there it is. Your credit cards are all maxed out. You can't seem to juggle things the way you used to. There just isn't enough money. You don't want to answer the phone.

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    t is happening. Then one day, you wake up and there it is. Your credit cards are all maxed out. You can't seem to juggle things the way you used to. There just isn't enough money. You don't want to answer the phone.

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    And you are loosing sleep trying to figure out what you are going to do next.

    There are some amazing statistics out there that say the a

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    you are going to do next.

    There are some amazing statistics out there that say the average credit card has an interest rate of 18.9% and a balance of $7,000. The average household is reported to have at least 10 credit cards. And most people can't make their minimum payments. Is that a surprise?

    What can you do to get out of debt?

    The first thing you have to do is committ. You can't just say you are going to get out of debt. You have

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