I found this funny SNL skit about debt management on another blog (Crossingwallstreet.com):
It's so easy, yet so difficult for many people to understand - DON'T BUY STUFF YOU CANNOT AFFORD! The big problem is that many people don't have a clue about their own finances. Greed and denial are probably factors as well...
FYI - if you do need help, my former college roommate is on a "crusade" to help people with their debt. His website is full of great information, including many tools you can use to help yourself. Check out his website: josephsangl.com