what are the (1)problem (2)cause (3)solution of eliminating credit card debt?

for a impressive speech, i requirement to convince my assembly to discharge their assign adjudge debt, i need:

1. inform because assign adjudge debt is much a outrageous problem
2. a means of because people hit so most assign adjudge debt
3. resolution of expelling assign adjudge debt

please give me a little ideas as well as where i should go to investigate this