My hubby and I (not legally married) are spiralling towards being in debt. We both have good jobs and up until 2 months ago had everything on a great payment schedule - problem is that back in Nov he was in an accident and was out of work for a month. The "credit protection" company that was charging him all these months refused to help because the could not prove that him being out of work was thru no fault of his own. Either way it is now Dec and we want to start the new year off on the right foot. How do we go about paying down our debt WITHOUT involving one of those debt specialists? Ive read that the most effective way is to you it yourself but where do I begin? Id appreciate and FREE refrences, ideas and suggestions.

Thank you in advance.

Dont know if its relevant but we are about $8 to $10,000 in debt and now just a little over 30 days past due.
My credit is already in the crapper from back in my college days. I dont want this to happen to his.

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