We have become a country dependent upon credit and many of us are drowning in it. Here are tips in dealing with debt and with credit collectors, along with great links to government agencies and Suze Orman's financial planning "Expense Tracker" to help you get out – and stay out – of debt.

While most of us attempt to pay our bills, the economy has prevented many of us from doing so. This article takes us through the process of bill negotiation with creditors to dealing with doctors and hospitals and even discusses possible "write-offs" or, when all else fails, a last-ditch admission of defeat – bankruptcy – with a link to forms that allow us to file our own without an attorney.

Being proactive with our finances would be the best possible method of achieving financial freedom from debt, but help comes in this article for those of us who have already lost the battle of the bill. The writer also provides a link to a national database of credit counseling agencies that refer potential clients to agencies in their area. If your debt management has failed you, and if you need a new financial advisor, check out this article for links to people who can help.