Getting out of debt can be quite painstaking and if you have family members to depend on you it is the worst. This is what happened with Paul. He was the sole bread earner of the family and had his parents living with him. Paul had 4 credit cards which he used only when he was without cash.

Presently, he has enrolled for a debt consolidation program so that he can become current with his bill payments once again. It may appear to be quite surprising that despite being financially responsible, a debt consolidation program was in store for him. So, how did he fall into the debt trap?