Credit card debt is once again on the rise. The average U.S. household that borrows money with high-interest credit cards owes $15,000.  Many people are overwhelmed by monthly bills. Expert Beverly Harzog has seen the problems from both sides. Author of two helpful books, "Confessions of a Credit Card Junkie," and "The Debt Escape Plan", Beverly knows all about the crisis of bad credit and how to dig yourself out from debt.