If you stop and really think about it, you could say this, almost everyone has been in debt at some point or another in their lives.The problems that arise with this can be insignificant or so big as to take away your peace of mind. However, in the end, this is how we face the fact that we are debts, which matters most. Since you are reading this book on how to get out of debt, I will assume that you are in these circumstances where, in one way or another, you have managed to get into debt. Now, whether it is debt that is easily payable, or something which you know will take you some time to pay off, is another matter entirely. If you are at a point where the only thing resounding in your head is your debt problems, then there is a good chance that you are somewhat in over your head

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