Putting your finances together so that you can see exactly what you owe is important, and one of the very first steps that is needed in the process of getting your finances on track.  With this information, you will find that it is quite easy to get a good Debt Settlement plan into place.  Without knowing what you owe, or even who you owe it will be virtually impossible to stay out of debt, much less clean up your debt.  Spending some time looking at your finances is critical to getting a good solution, without a lot of headache or stress.