If you are looking to get out of credit debt the best thing that you can do is to be realistic. You aren't going to be able to pay off your debt all at once. If you have something that you can restructure, go ahead and do it. Also, start by paying off the small amounts you can each month. If you owe $15,000 and you can only pay $150 a month, you can start there. Also, cut out as many of the expenses as you can and take that money and put it towards your debt. Whatever you can do is going to be a good thing.
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As a kid I got called out for daydreaming a lot. Reading was (and remains) a favorite pastime, so of course I'd rather conjure up worlds of mighty dragons, dashing heroes, and conniving villains than, oh, say, diagram a sentence or explain why the author calling the curtains blue mattered. Some of these imaginary jaunts made it onto paper. Eventually those ideas were combined into a story. It stunk, and Mr. Bakker, the English teacher, was kind enough to not say it outright when I showed him, but there was promise. It took ten years, a graduate degree in Software Engineering, copious quantities of brainstorming, some gentle prodding, and more false starts than a twitchy offensive line, but here we are. Better late than never. In those rarified moments when I'm not spaced out in worlds of my building, I'm usually roving around in someone else's. Nose deep in a book, smooshing zombies, or rolling dice on a disadvantaged charisma check, so long as the imagination is alive, the fun does not stop.
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