Having credit card debt does not mean that you are a failure. Although credit card debt could arise from risky spending habits, it can also accumulate simply from purchasing groceries and keeping the lights on in your home. You aren’t a bad parent or spouse for doing your best to provide for your family despite financial strain.
If you have recently been through a divorce, you know how much your life has change. Perhaps one of the changes that you were hoping for, relief from debt, hasn't happened to your satisfaction. Divorce and financial stress are closely related so this situation is very common.
Everyone goes through periods in life when cash at hand isn't enough to cover expenses. Whether facing a lay off or an unexpected medical expense, if bills are piling up you may be looking at alternative ways to quickly get additional funds. Best advise is DON'T do a Title Loan. Title and Pay Day loans are one of the quickest ways to find yourself in bankruptcy. Best advice is to start an emergency fund for yourself today. Just $10.00 per week is a great start. Start it and don't touch it.