How do you know if you have too much debt? Credit is a great way to get what you need when you need it, but many Americans are finding that credit can get out of control rather quickly.

Does this Sound like You? There are 100 shopping Days left until Christmas and your Credit Card Balance is Higher now then it was in the beginning of the year. You may have thought of using your home and getting a debt consolidation loan, A Debt Consolidation Loan without a solid Long Term financial plan is a Recipe for Disaster. A One way ticket to Credit Card Purgatory

THis article discusses the processes of debt consoidation in an escalated format. For example, personal commtment comes first, counseling second, and loans are used as a last resort.