Debt, while not desirable, is a fact of life for many of us. Because of things like new business loans, lines of credit, mortgages, student loans, credit cards, and personal and family loans, some of us are carrying debt -- in some cases crushing debt. This become a major problem when a setback starts to eat into your savings -- death, divorce, getting laid off, and medical issues are some of the most common ways that people begin to have challenges with their debt load.

If you are in a position where your monthly debt payments are starting to spiral out of control, or if your credit card payments are too large for your current income, it's time for you to get good help. I speak as someone who knows, having been in massive amounts of debt myself and finally cutting up my credit cards.

DebtGuru.com is a site with many self-help articles instructing individuals how to budget, identify wants and needs, save money, and get out of debt

If you're seeking support and accountability for debt management, this may be a great resource for you. First assess how much debt you are carrying (how much you owe, at what interest rate, to whom), then get a plan together through a service like DebtGuru.com, then finally, stick to your plan on a monthly basis and check in regularly to keep accountable.

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