How to Attack Your Debt Problem Superficial financial solutions result in repeat offenders. Using debt consolidation or transferring balances to a HELOC or a 0% credit card does not address the root cause of the problem. You are trying to relieve the symptom by looking only at financial issues. Instead, you must first do is figure out what is causing your debt. What are all the ways you spend more than you earn? The permanent cure is to plug all the habitual ways you leak money so that you never go into debt again. This isn’t sexy, but it permanently solves the problem.