The reasons people start to drown in credit card and other debt are many. It might be a spouse passed away, divorce or they bought things they couldn't afford to pay back. One of the most common reasons for people getting in debt trouble is their job.

Pay cuts, lay off, or an accident that causes disability can put you in major debt in no time at all. Many credit card companies offer an option to pay an added fee that will pay your monthly payments in the event of such catastrophies. There are insurance companies such as AFLAC which can really help financially should you find yourself with a disability that keeps you off the job. The most important thing to do if you get a big pay or layed off (fired) is to find that new job. Here are some tips to getting that dream job:

1) Make sure you have a great resume. Added tip: Include a cover letter too!

2) Get ready for many interviews and prepare to ace them.

3) Put your resume online.

Here are some great job search sites:

Monster.com,
Hotjobs.com,
Careerbuilder.com
and don't forget craigslist.org

You can search for a job by career at =>http://www.jobsearch.about.com

If you are unemployed and falling behind on your bills you would probably benefit from a credit counseling program. These programs are designed to bring you back on track and lower your monthly payments.

Abe Shannon is a Certified Credit counselor who has eliminated debt for thousands of satisfied clients. For a free consulatation you can email him: abe@patriotdebt.com or click here.