Assessing Your Situation   Secret Credit Repair Strategies From The Largest Credit Repair Company. Discover The Breakthrough Method Used By Major Credit Repair Companies That Quickly, Surely & Easily Raises Credit Scores As Much As 200 Points In Only 30 Days. The first step in dealing with debt problems is to see on paper exactly where you stand financially. Detail the appropriate expenses that you are currently paying out of your personal account every month that will always be there. These things are a necessity, and can't be gotten rid of. Some of these expenses might be: rent/mortgage utilities phone meals/groceries gas insurance Write these things down on a sheet of paper, and set it aside. Then, get another sheet of paper, and list all of your other expenses. These expenses are called Consumer Debt. Some of these would include: Doctor/Hospital bills Credit Card Debt (list each one separately) Automobile payments Anything else that you are making payments on Lastly, write down, on another sheet of paper, your total monthly income. NEXT MY MONEY ANSWERS: HOME GETTING PAST THE PAST ASSESSING YOUR SITUATION FACTORING MAKING THE PLAN SPECIAL NOTES ABOUT DEBT DECIDING IF BANKRUPTCY IS RIGHT FOR YOU DEBT CONSOLIDATION CHOOSING A PLAN OF ATTACK YOUR LONG TERM GOALS STARTING A BUSINESS CORPORATIONS PEOPLE YOU WILL NEED STUDENTS AND CREDIT