There are credit laws in place to help you understand your credit better. Make sure you check out your free credit reports and use credit wisely.
To ensure that you stay out of debt problems, make sure that you use credit wisely. Have a few credit cards and pay bills on time to avoid debt issues.
If you do find yourself in debt, you do have options. Discuss your situation with an experienced attorney who can advise on you the route you should take.
Debt is a hard thing to manage and ruinous to your credit reputation. Make sure that you do all you can to stay out of major debt. This is not just to avoid the creditors, but to make sure your credit score stays stable.