In the case of overextension, you can set-up an orderly repayment plan between you and your creditors.
Anyone requiring debt management will be asked to pay a small monthly fee to partially cover expenses. Fee may be waived in hardship cases.
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Spending limits must be realistic
Deposit part of your income into a savings account to meet emergency expenses.
Refrain from using your credit to subsidize your income.
Make the budget a family project. Everyone must be involved in order for it to work.