In the past few years, many people have become dependent on the credit that they have established to help them buy the things they need and do the things they want. When credit is used wisely, it is a very good thing. It does allow people to do more than they used to and to enjoy some of the things they like. When credit is abused, it can create myriad of problems that can cause people to lose their marriages, their jobs, etc. If you have already built up more debt than you