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Are you feeling hopeless about the future? YES! Are you feeling hopeless and helpless about your current situation? YES, VERY Are you feeling depressed? more and more each day...Do you find no way to come out of this hopelessness? Nope. It is time to consult a Doctor about your depression. HA! I don't have insurance you f*cking genius!

Can your depression be related to your debts? Related? It's the source!!!! Are you also having debts to repay? OMG, are you serious? U'Duh! Yes! Debts can cause constant worry and make us feel depressed. for real...didn't realize Especially when we have no ready plan to repay our debt, the depression can be severe.

What are you planning about your debt? *getting pissed off* Have you planned any repayment schedule? *turns away*Have you planned any method to increase your income? YES! I'll use magic. If not, please begin doing that. *gets supremely pissed off!* Let us look at this problem in totality. Yes, lets. You have a certain income. You have a certain debt. You have certain expenses. You have to save money from your income and repay small amount every month so that one-day you are out of it. The first step is to write down all these figures. Then think of every method that can increase your income. Similarly try to reduce your expenses. This will obviously give you more money to repay. Now talk to your creditors. Ask them for rescheduling the debt so that is comfortable for you to repay. Approach them positively and explain the position. Be optimistic. They will agree. You know what, I appreciate your effort, but your generic (outside looking in/Clark Howard/Oprah Debt Diet) tips mean nothing to me. I'm completely cognizant of my situation, it's severity and the various steps that I need to improve my financial status, BUT it takes time. While I wait, I get depressed, frustrated, stressed out, irritable, and pissed. I came to you seeking something beneficial. You provided nothing.

Feeling hopeless never solves the problem. Finding solution will do that. Fight your debt related depression with proper strategy and planning. *scowls* Look, Just shut the f*ck up.