Bad debt

I have really bad debts. They are really starting to grow and get out of control. The interest is sky-rocketing and my debt is turning into really really bad debt.

I did have my debts under control, but then I lost my job, and couldn't afford the repayments, and that's when they became bad debts.

I lose sleep at night, and think about the bad debt during the day - and until now, I thought there was no way out.

I did some research last night and found that some organisations offer free debt help to people struggling with their finances. I think I will phone up tomorrow and speak to someone about my bad debt.

I can't wait to be debt-free, I finally feel positive about my situation. I'm at the bottom, and with that debt help, I will be at the top very soon!