If you're deep in debt, getting out may take more than just getting lower interest rates on credit cards, sticking to a budget, paying more than the minimum balance each month, or closing lines of credit. You may need professional assistance but if you still feel apprehensive about asking for it:
Understand that you are not alone. There are many people in your situation who feel like they're drowning in debt, yet are too anxious to ask for help.
- Seek help from a credit counselling agency such as Credit Counselling Singapore