Have you ever signed up for some type of debt relief program, and stopped before you got completely out of debt?

If so, it looks like you're not alone. I just finished reading this article Why credit counseling often fails. And I wonder why people who really need help getting out of debt don't follow through until the end?

For me, I had enough of trying on my own. So getting professional help was obvious. And even though it was stressful, I kept going until every last bill was paid off.

Why doesn't everyone do this?

I don't know, exactly. But I know the most important step for me in getting out of debt was making the commitment. So maybe those people who drop out aren't committed 100%. Or maybe it's too hard to stay focused for months at a time, or in some cases years.

As I often say, there's no "magic cure" for credit card debt. It takes most people years to dig their financial hole, and it will take years to get out.

Sure, it's hard to be patient when you're struggling financially. Trust me, I understand. But it can be done.

So, if you're one of those people who tried credit counseling or debt settlement and didn't finish, think about this:

1) Ask yourself if you're really committed to getting out of debt.
2) If you are, then write it down on a piece of paper, and put it where you'll see it.
3) Write down on another piece of paper how much better your life will be without any credit card bills.
4) Whenever times get tough, read both papers.

And let me know what happens then!