I am re-posting here a response I made to another thread in the pub, but I think the topic is good, and there are many people in this community who could share their experiences and help those who are just beginning to deal honestly with their debt and don't know where to begin.
I could post this in any number of forums, but I think in order to get the most input on it, this if the best forum. I would like the community to elaborate on this thought.