‘If it’s not a problem, it’s no problem’
You have a job which pays reasonably well and you don’t have a problem making the payments on outstanding loans and credit cards, so what’s the problem? The problem is that you never know what lies around the corner. What happens if you lose your job and can’t continue to meet the repayments, or your debts continue to escalate and the interest you pay rises? Don’t wait until it does become a problem before you tackle your debt mountain. Start dealing with it now.