Debt is a horrible situation to be in. I was in it for many years and constantly contacted and harassed by creditors, even once a court order against a debt but I moved away and they couldn't do anything. I had built up a lot of credit card and store card debts. I paid off a huge amount of interest for many years and eventually remaining debts were written off, as I couldn't pay them. I am totally debt free but still worry how easy it is to get into debt, and could end up getting into it again without proper financial management.