When it comes to debt, one must first realize that not all debt is a bad thing; in fact, there are extremely few people in our country who have the ability to pay outright for things that we need on a daily basis: cars and homes are several such items that basically everyone must go into debt to own. The definition of debt is not the problem: the problem is when people start to go into debt beyond their means, generally because of purchasing items that are not necessities. Getting debt help for spending habits is not that difficult if one is willing to admit that they need the help; in fact, one does not usually realize that they have a financial problem until they have dug themselves into a hole. Fortunately, there are many opportunities to get your financial life back on track.
Once again, debt is needed in order to own a new car, a house and a variety of other items that are generally too expensive for the average citizen to purchase at once with cash. One's credit score is determined upon timeliness of monthly payments and other factors; if you start to fall behind on these types of payments, then your score can drop. Bad credit will reflect negatively on you, especially when you become deeply in debt; credit counseling can play a large role in getting your finances on track and maintaining a proper plan in order to pay your bills off.
Avoid getting in debt as early as possible before getting trapped in a hole; pay attention to warning signs such as spending more than you make, purchasing items that one doesn't necessarily need and living within the means of your budget. By following this line of thought, you can avoid needing debt help when you are at your lowest.