I woke up one day to find myself in danger of losing my car and my house. It was a great day at work and I had made a lot of sales for my company.The only thing I did not know was that my company was laying of some of us in preference of cheaper labour from India. There was no warning of any kind. We were just told that our services would not be needed at the end of the month.You can imagine how hard it was to try and pay my bills using only unemployment benefits. All of a sudden I found myself in need of Credit card debt helpMy credit cards were up to the wazoo. I had been spending like outsourcing in India did not exist. However, I was only using credit cards to spend and not my own cash.Suffice it to say, it took me over 4 years of living like a pauper to get my self out of credit card debt. I have promised myself never to touch another credit card as long as I live. I would rather stay with my debit card. If I have serious financial issues, I will go to my bank..