Bills and letters from creditors get put in an ever-increasing pile on a corner of your desk or dumped into a drawer. You rarely keep a running balance in your checkbook. These are just a few of the common warning signs of a serious problem with debt. Obviously, no one wants to admit that they have a problem with debt and practically everyone's first response is to deny it or attempt to justify it somehow. That's only natural.
Debt can be extremely painful.
Your debts, whether you believe it or not at this point, are not crushing or hopeless. But no one ever eliminated a problem until they recognized, and admitted, that there was a problem. You can put your debts behind you forever by working the DEBT FREE program. In fact, you are already doing so. Many books on the subject of debt management will lead you to believe that the reason you are in debt is because you mismanaged your money.