Seek Help With Your Debt Problems
When most people finally realize that they have too much debt, they try to think of ways to pay down their debt load or eliminate bad debt altogether. The problem is that most people either don't take the time to make a viable debt elimination or restructuring plan, or if they do come up with a plan, they don't stick to it.
In reality, the longer it takes you to pay off bad debt, the longer it will take to repair your credit.