There are just so many people that are in debt these days and they have no idea about how to get some debt management and their finances under control. It is just so easy to have and get those credit cards and it is just so easy to buy your stuff online….therefore if you are not careful you will end up in debt. And the think with debt is that if you do not realize you are in debt it just piles up quickly. If you can not pay off your monthly credit card bills then the interest rates of the cards just get you and it is very hard to see the light at the end of the tunnel at that point. Thrifty can help you out with many services that they offer such as IVA or debt consolidation - Check them out if this interests you.