It's not easy to climb out of a difficult deep-in-debt situation, but it can be done. Here's my story - I hope you find it encouraging.

Becoming debt-free is one of my most memorable achievements. It was also one of the most difficult personal challenges I've ever faced. When I was 26, I had debts totaling over $135,000 dollars. I had a house mortgage, two car payments, and eight credit cards (most of them had balances above their credit limits). My marriage had deteriorated under the financial strain, and as most do under these circumstances, ended in divorce. The loss of income from my wife and the added burden of now maintaining two households brought me to the brink of financial ruin.