Oddly, debt can actually help some individuals and professionals. When a person is afraid of losing their company, their home or their job, you'll often work harder to increase their revenue and resolve the debt. Debt can help you focus your energies on being more efficient, streamlined and work within a budget. For instance, a debt consultant may ask -- are you putting enough revenue into your real assets like your home or your employees? Debt pressures can force us to look reality squarely in the face. Don't be afraid of it - use it as an opportunity to grow your business or your personal finances.