n a phone book or online directory? There are so many entries I don't know how anyone could possibly make sense of them all.

If you live in the USA, then your city probably has a Chamber of Commerce. Give them a call and see who they might be able to refer you too. They usually have a good handle on all the local organizations a

When was the last time you went looking for a solution to your debt problems? There's a lot of stuff out there right? So much so, it can be downright scary. So how do you know what to do and where to go?

Let's answer this question by taking a look at some very important ways for finding help with debt problems.

The very first place you should to to for help is often the most overlooked; your family and friends. For some reason, they just aren't the first place we think to go to, or want to go to for help, but this can be a huge mistake. There are plenty of advantages to using this readily available resource for help with your debt questions.

Keep in mind however, that we're not talking about asking anyone for money, but asking for advice, tips or ideas about some of the decisions you need to make with regards to your debt situation. You need to know what path to take.

The biggest advantage (and the reason this is listed first) of going to family or friends is that most of the time, they care about you and aren't going to try to "sell" you something or give you advice that will make them rich, instead of you, at least they better not!

Even if your family and friends aren't able to help directly though, they probably know someone who can help with debt. Have you ever tried to find a doctor or lawyer in a phone book or online directory? There are so many entries I don't know how anyone could possibly make sense of them all.

If you live in the USA, then your city probably has a Chamber of Commerce. Give them a call and see who they might be able to refer you too. They usually have a good handle on all the local organizations an

rst place you should to to for help is often the most overlooked; your family and friends. For some reason, they just aren't the first place we think to go to, or want to go to for help, but this can be a huge mistake. There are plenty of advantages to using this readily available resource for help with your debt questions.

Keep in mind however, that we're not talking about asking anyone for money, but asking for advice, tips or ideas about some of the decisions you need to make with regards to your debt situation. You need to know what path to take.

The biggest advantage (and the reason this is listed first) of going to family or friends is that most of the time, they care about you and aren't going to try to "sell" you something or give you advice that will make them rich, instead of you, at least they better not!

Even if your family and friends aren't able to help directly though, they probably know someone who can help with debt. Have you ever tried to find a doctor or lawyer in a phone book or online directory? There are so many entries I don't know how anyone could possibly make sense of them all.

If you live in the USA, then your city probably has a Chamber of Commerce. Give them a call and see who they might be able to refer you too. They usually have a good handle on all the local organizations a

in mind however, that we're not talking about asking anyone for money, but asking for advice, tips or ideas about some of the decisions you need to make with regards to your debt situation. You need to know what path to take.

The biggest advantage (and the reason this is listed first) of going to family or friends is that most of the time, they care about you and aren't going to try to "sell" you something or give you advice that will make them rich, instead of you, at least they better not!

Even if your family and friends aren't able to help directly though, they probably know someone who can help with debt. Have you ever tried to find a doctor or lawyer in a phone book or online directory? There are so many entries I don't know how anyone could possibly make sense of them all.

If you live in the USA, then your city probably has a Chamber of Commerce. Give them a call and see who they might be able to refer you too. They usually have a good handle on all the local organizations a

he time, they care about you and aren't going to try to "sell" you something or give you advice that will make them rich, instead of you, at least they better not!

Even if your family and friends aren't able to help directly though, they probably know someone who can help with debt. Have you ever tried to find a doctor or lawyer in a phone book or online directory? There are so many entries I don't know how anyone could possibly make sense of them all.

If you live in the USA, then your city probably has a Chamber of Commerce. Give them a call and see who they might be able to refer you too. They usually have a good handle on all the local organizations a

n a phone book or online directory? There are so many entries I don't know how anyone could possibly make sense of them all.

If you live in the USA, then your city probably has a Chamber of Commerce. Give them a call and see who they might be able to refer you too. They usually have a good handle on all the local organizations and professional services in your area or at least can give you a referral to someone who would be able to help.

Another very often forgotten resource for getting help with debt problems is the local church. Even if you aren't a "church" person, there are a lot of valuable classes, seminars and other resources that you might be able to take advantage of for free. That's hard to beat no matter where you go.

Better yet, compared to big corporations, you have a much better chance of getting help from someone who has your best interest in mind. Given the glut of scams that are out there today, this is a huge benefit.

If you've exhausted all of the above resources and are still going nowhere, then you might see what kind of help you can find on the Internet. If you thought talking to family or friends was overwhelming though, just wait till you start doing Internet searches on your subject.

The bottom line here is: be careful. The Internet is a breeding ground of rip-off artists and perfectly legitimate companies alike. If you find one that interests you, use your Internet savvy to research them and see what others are saying. The Internet is a great and vast resource and you would be good to use it. Just use good judgment.

Also, cross reference what you find. If a web site proclaims the benefits of bank