Most families are in debt. Credit cards make it so easy to spend more then you have and then you get stuck with interest rates that eat up all your payments so you don’t ever get ahead. All your doing is paying off the interest and a very small part of the principle. Then you find that you have to pay so much on the card that you have to use the card to live. You can never get out from under the debt load with out winning the lottery or getting some help. The credit card system is designed to get the most money out of you as possible. To clear up your debt with them you need to deal with people who understand how to best work within the system to get you out of debt.

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