How do I get out of this mess?

If you've got too much debt your undoubtedly in a tough situation and you have a lot of work ahead of you. Try to accept where you’re at right now and keep your eyes on owning a Habitat for Humanity home. Yes, you can eventually own a home if you take action to improve your credit. Over time, negative items will be removed from your credit report and your credit score will go up.

Now get out a pen and pad of paper, and begin to make a debt reduction plan.