A lot of people get into trouble with debt.

Your debt might come from credit cards - so you are looking for credit card debt consolidation.

Other debt might have been incurred from unexpected medical expenses from an emergency or accident.

The debt help that you need might be a result of a job loss or lay-off due to downsizing in the corporation you worked for.

Your debt might have been the result of a business start-up that went south. While owning your own business is a great goal, sometimes it just doesn't work. (By the way, hang in there...it takes perseverance!)

Do you see a pattern here?

Not really.

That's great!

Because what I'm trying to show you and what you need to know is this: There are a lot of reasons why people get into trouble financially and then need some assistance in getting out of debt.

Debt control and paying down debt is a great goal and I commend you for looking for answers. Debt that isn't controlled can become a tremendous psychological barrier to success. You need to take steps and you are doing that now.

One of the best steps you can take immediately in controlling your debt and not adding additional debt is to carefully scrutinize your spending. It may sound simplistic, but the reality is most people can't get their arms around this - you can't spend more than you make and not have debt problems. Spending needs to be and must be controlled. Some purchases just have to wait (if they aren't necessities) so you can get your debt under control.

Try beginning with the spending issue. It is a great starting place and you need to know that others have done it and so you can too!

In summmary, what you need to know is that you are not alone. Countless others before you have needed help with debt as well. Don't let it defeat you! Don't let it stop you from succeeding! Keep doing what you are doing in searching for the answers you need to get your debt under control.

Scott Hove is