In today's world debt is almost unavoidable. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy, buy, and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. Prices rise but our wages seem to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: debt. Debt can be controlled, but we all need to understand it and learn to avoid too much of it. The following information is designed to answer questions about debt and offer solutions to control it. Contents range from financial planning to debt consolidation, credit reports to bankruptcy, and more.