You're not alone.
Consumer debt is at an all-time high.
Whether your debt dilemma is the result of illness, unemployment, or overspending, it can seem overwhelming. Legal alternatives can help you regain your financial foothold. The first step toward taking control of your financial situation is to do a realistic assessment of how much money comes in and how much money you spend. Start by listing your income from all sources. Next, list the expenses that vary, such as entertainment, recreation, or clothing.