Retailers and lenders use a variety of tactics to encourage spending during the holiday season. In the first part of this interview with Cambridge Credit President Christopher Viale we discuss the tricks and traps of holiday shopping.

Then in the second half of the interview we discuss strategies for getting out of debt after the holidays - or any time of the

year. Cambridge Credit Counseling has helped more than one million people get out of debt, and Viale shares his insights from all the work his agency has done to help consumers.

This episode aired live November 18, 2013.