Spend, Spend! Is this the norm for you? Are you spendthrift that does not realize that your spending is driving you closer and closer to a huge pile of debt? Has realisation struck and you’re now faced with financial despair. This process happens to countless of people everyday and before we even realize it we start getting into arrears. How could I ever repay these debts you ponder? Well believe it or not the answers lie within the creditors themselves.