If you have a problem with paying your debt which is because you do not have enough money to return the money that you borrowed from your bank, you should not panic. Panicking will only make the problem worse because it is not helpful. Figuring out a solution may not be easy for you right now because of the stress that weighs you down. Here is a solution. You can start taking debt counseling. Debt counseling will help you manage your debt and income. You will have less stress because you will be able to know how to manage your income so that the money can be used to pay the debt but at the same time you will still have money for your basic needs.
However, you need to know that taking debt counseling will not get you out of the debt overnight. The end result is that you will be debt free but until you can reach the goal the process may take many months or even years. It all depends on how big the problem that you have is. The debt counseling normally offers you credit card debt relief to join. The point of the relief is to allow you to have less stress over the debt problem and finally be debt free.