Debt can destroy families.
If you or anyone in your family has made poor money decisions it may be time to seek out some professional help.
Family credit counseling corporations can help when you don't know where else to go.
Most family credit counseling corp are non-profit organizations and are christian based so most of them will provided these services for free.
It is nice to know some people are genuinely interested in helping out.
Most of these companies will help you with a number of services including financial advice, debt management, repayment plans, along with many others.
Usually if you choose a debt management plan what will happen is they will consolidate your debts and have you pay them one big payment a month and they will pay it out to all the different lenders so you don't have too.
This will relieve stress from creditors and money collectors always calling the home.
It will also help you not to waste this money on other things that your family doesn't really need.
This is a great step if you would like to try and be debt free within about five years.
You can find out about family credit counseling services from many different sourcers including the internet, forums and billboards, local churches, and toll free telephone numbers.
Do what you need to do to feel the financial security and freedom that you so deserve.
Stop putting your family through the stress and tension of large debts and work on being able to help out your family any way that you can.