With today’s economy, debt management is at the forefront of almost everyone’s mind. However, many people may be confused about where to start managing their debt. They may believe they have to spend large amounts of money on debt management assistance. [ READ MORE ] Americans love credit cards. About 14% of us carry 10 or more. That's nuts. On average, we carry about $4,000 in revolving credit per person, or around a trillion dollars for the whole country. This trend has been steadily increasing for the last decade. We like our credit cards. [ READ MORE ] The world is full of those who have fallen unfortunate prisoners of debt.  Debt is an equal opportunity employer and does not discriminate in reference to race, color, sex or creed.  Debt will attach itself to anyone, the young and the old, the rich and the poor.  Debt is the universal medium that we all share and can certainly relate too.  Everyone eventually accumulates debt.  Let’s face it our world revolves around it.  When you buy a home you go in debt.   When you buy a car you go in debt. [ READ MORE ] Many people today are finding themselves overwhelmed by the high cost of credit, which may include late fees and other penalties in addition to already hard to manage interest. To try to mitigate the high cost of credit, it might be wise to consider consolidating credit card. [ READ MORE ] MORE DEBT CONSOLIDATION OPTIONS ARTICLES