Money troubles are the hardest thing to solve without help.
We all make mistakes, and from the emails I have received I know sometimes it's not even your fault. You're cornered into helping a friend out with a credit card... you loaned a friend money to help them out.
And before you know it you're not getting the money back from them and you're "underwater", owing more that you can possibly pay.
Understanding credit and your credit score, and learning how to improve your credit score, can save you hundreds of dollars every months, thousands of dollars a year and tens of thousands of dollars on the interest costs of loans and mortgages.
Take the first step and get your free credit score. And read all you can to understand how to improve your credit score and get your budget under control.
When you have financial problems you're the one in charge. Or else the people you owe will take over (and take everything they can).