Many Americans are having trouble with their credit, and they don't really know what to do with all that debt.
Fortunately, there are a number of options that you can take to get rid of that debt.
The first thing you should do is start paying off the smallest amount of credit card debt that you have.
You will feel better about paying some of your debts off and will be able to see the progress you are making after you start paying some of them off.
However, once you pay off your smallest card, be sure not to close the credit card account - at least for a little bit.
Closing the account early will only mess up your credit score even more, because there will be a higher debt to credit ratio.
What you want to do is just keep the credit accounts open for a little bit, until you pay more of your debt off.
Another helpful solution is to seek out a debt counselor.
These people have special relationships with the creditors and can often help get a lot of your debt consolidated into a smaller monthly payment, so it is more manageable for you.
Another helpful tip is to analyze where you are spending your money.
If you see a lot of money being spent on $10 lunches, lots of expensive coffee, and other non-essential items, try to cut down on your spending.
Over a month or two, not spending money on these kinds of items will save you hundreds of dollars.