If you have been having financial difficulties, you have most likely been feeling fear, uncertainty and even shame. At a certain point, it seems like the problem has gotten so bad that you can't see a way out of it and are faced with an overwhelming amount of stress and questions you can't answer. It doesn't have to be that way. The truth is that many Americans have found themselves with large amounts of debt for a variety of reasons. Whatever the reason, there are options for you and there is a way out of your current situation.