You are shouting either to yourself, your spouse, a friend, or debt counselor, "I am in debt and need to find solutions. If this is the case, you are certainly not alone in your worries.. Here in 2010, there are many people all around the world who are walking in your boots. It is a worldwide issue, as many are trying to solve debt problems while drowning in debt.

When you say to yourself, "I am in debt and need debt solutions" you are most likely feeling a sense of despair and you are looking for solutions to your overwhelming debt problem. You may have accumulated the debt due to excess consumer spending like many have, or you could be in foreclosure or have other home equity debt issues.

If you are in debt, you are most likely struggling and in a state of anxiety that you most likely wish you could stop. It is no fun owing banks or other loan companies money, whatsoever. When you are in debt, the money that you make is truly not your own.

Unfortunately, there are no easily solutions to your problem, however, debt solutions can be found. Solving your debt problems requires a lot of research and understanding on your part, especially when thinking about debt settlement or debt consolidation solutions.

When getting help for your debt problem, your best solution is to find an agency that is not-for –profit debt help such as Consumer Credit Counseling. For-profit debt solutions companies or counselors may not give you what you bargained for.

The most important thing that you can do is not sweep your debt problem under the rug, and face it, head on. Solving your debt problem will alleviate stress and improve your outlook and mental well-being.

1. Realize and accept that you have a debt problem and resolve that you will try to get help to solve your debt problem.

Determine exactly how much debt you are in… everything... so you know what you are facing.

2. Do not spend money on things that you do not need. Focus mostly on necessities.

3. You must stop using your credit cards for impulse purchases and keep one only for emergencies.

4. If your debt problem is really bad, seek out a non-profit debt counselor to help solve your debt problem.

Being in debt is not the end of the world. Things will truly get better for you if you face your debt problem head on and slowly dig yourself out of debt and into financial abundance.