I know this is a sensitive question, but why are you in debt? More specifically why are you in debt with credit cards and other non-mortgage debt? I know why I was in debt. I wanted more than I could pay for. And once I had more than I could pay for I found myself making payments on my debt with more debt. A death spiral and one that many, many people find themselves in.
Here’s the great things that consumer debt can do for you:
1. Take away options – When you’d rather (fill in the blank), you have to work instead to keep your head above water.
2. Increases stress in your life and the life of your friends and family.
3. Create all sorts of headaches (and heartburn) when you finally can’t make a payment or two and the creditors start calling you.
4. It can cost you everything: your home, your possessions, your marriage, and in very extreme situations, your life.
5. It can keep you from getting a great job. Employers are increasingly checking credit reports before hiring.
6. Steal your retirement – Every dollar in interest paid is potentially one less day of retirement.

The negatives of consumer debt could go on and on. But the question is a very valid one because it tells us about financial motivations. Once again, why are you in debt? And, do you want out?