According to data released by the Federal Reserve early this month, Americans currently owe a combined whopping $936 billion in credit card debt-an astonishing $103 billion more than just five years ago.
If you are struggling with debt, chances are you think or worry about it just about every day. Every time you open a bill you can't pay or buy something with a credit card you know you aren't making payments on, you think about debt. And even if you try to ignore it or focus on something else for a bit, the seemingly non-stop calls and letters from debt collectors can make that impossible.
Being in debt can be a frightening and frustrating experience for anyone. You may spend more time thinking about your financial situation than anything else and it can be very common to get overwhelmed.