A debt is something really hard to avoid during these tough times. It might even surprise you to know that it’s not only you who’s in debt; even the well-off have debts. What I’d like to ask is how are you managing it? Are you able to pay your monthly dues on time or there are lapses? Since it is unavoidable to owe money, the best thing you can do is to manage your loans well. You’ll only be digging yourself deeper into the hole if you don’t know how to properly manage your finances. Get help if you can’t do it by yourself. There are many finance company that can help you monitor and take care of your credit health.