You may think that you need more than just pure resolve and willpower to help you solve your debt problems. If you're having trouble staying focused and committing to certain get-out-of-debt program, or if you can not shake hopelessness and feelings of discouragement about your financial situation, then take advantage of these resources and services: DA (Debtors Anonymous): Drawing on the time-tested approach and principles of Alcoholics Anonymous, Debtors Anonymous chapters around the nation help consumers with bad spending habits. DA meetings are free of charge and open to anyone. Listening to other members testifying about their own struggles and achievements can be inspiring. Find a sponsor - a person to call when you feel disheartened or want to buy things that you should not - he/she can help you to control your life and gradually get out of debt. To find a Debtors Anonymous chapter near you, read your local Yellow Pages and visit its website. Debt help should be free of charge and if a debt help service asks a counseling fee, they are probably not legitimate. Mental health professionals: Group or individual therapy can be invaluable when psychological problems are always getting in the way. If you have medical insurance and it does not cover mental health, look for no-cost/low-cost mental health services in your area. A great place to start is to visit the National Mental Health Association website. Reading books and articles: They can help you evaluate your attitude toward debt and spending. They can also guide you to live a life that's simpler, less focused on consumerism and personally rewarding. Your family members and friends: Don't let embarrassment and pride keep you from letting those closest to you know that you are having financial difficulties. Don't isolate yourself when you're most in need of their encouragement and moral support.