By Sandy M. Ferna
Pick up tips from the personal finance expert as he helps three families pay down more than $107,000.ndez
If you've ever been in debt, you know how stressful it is: fielding calls from creditors, paying more interest than principal and feeling as if you're running on a treadmill that is accelerating faster than you can keep pace. According to the credit report company Experian, the clients they track owe an average of about $25,000, made up of credit card, auto loan and other non-mortgage red ink. The people that follow found themselves facing some of the most common causes of debt. Straight-talking debt guru Dave Ramsey, nationally syndicated radio host and author of The Total Money Makeover: A Proven Plan for Financial Fitness, mapped out an action plan for them. What they've learned will help you get back in the black.
Hit With a Medical Crisis
Kellye, 29, and David Smith, 33 Corryton, TN
Income: $45,000
Credit card debt: $5,600
Medical debt: $4,113
Other debt: $807
Total debt $10,520
In July 2010, Kellye, a medical tech, and David, a








