Introduction: Why Talk About Debt Management? Debt Management Process in USA, Debt can feel like quicksand. The harder you struggle to get out, the deeper you seem to sink. If you’ve ever sat staring at a pile of bills, wondering how you’ll ever dig your way out — you’re not alone. In fact, studies show that the average American household carries over $100,000 in total debt (including mortgages, credit cards, and loans). For many families, debt isn’t just numbers — it’s stress, sleepless nights, arguments at home, and dreams put on hold. The good news? There is a way forward. One of the most effective methods people use is a…