While financial problems are often seen as something that should not be attacked "creatively," among the most effective credit solutions to dealing with large debts is remarkably different from simply paying them off one by one. While direct payments are considered by many to be the simplest way to manage financial problems, they can leave anyone paying at increased rates, managing multiple arrears at once, and struggling for time to actually earn the money required to pay them back.

The problem is perception. For many people, financial problems mean limited options. When they owe money, it means a real effort to pay it back as quickly and directly as possible. This behavior runs on both financial ignorance and age-old biases that surround the concept of credit solutions.

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