You're in debt. You need a plan and lots of discipline and follow through to pay it down. It's a lot like dieting.
Because swiping a card is less painful -- and less limiting -- than taking money out of your wallet, it's easy to get into debt. Climbing out is harder, but it can be done.
A reader recently received a bill in the mail that dates back to 2006. Does she have to pay?
If you're facing a massive amount of credit card debt and you're having difficulty paying even the minimum due, you do have options.
You can turn the tables on the most annoying and intimidating collection agencies by taking some proactive steps.
Do you feel entitled to have the latest gadget? Is your self-worth based on the stuff you own?
You have easy access to extra cash that you might not even know about.
VIDEO ON MSN MONEY
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The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
MONEY & POLITICS
Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
Your Easter celebration, from ham and eggs to spring clothes, will take a bigger toll on your wallet this year.
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