When you're in debt, it's easy to feel trapped or overwhelmed. You may think you're out of options or not know where or how to start fixing your issues. You know you need help, but you're not sure who to ask and how to start. Or, you may not want to even ask for help because you are embarrassed or ashamed about your money troubles. It's easy to lose hope or sight of a simpler future. It's even easier to ignore your problems or promise yourself you'll 'start dealing with it tomorrow.'