I Am 28 Years Old And I Am In Debt, I Need My Ira Money To Pay A Debt. Is This Allowed?

Yes, if you want to be hit with up to 30% taxes not counting surrender penalties (depending on where your IRA is). Since your age is under 59 1/2 you will be hit with an automatic 10 % early withdrawal penalty plus the normal tax at your tax rate when you file your taxes.  If you are in the market, such as mutual funds, stocks, etc., chances are the value is considerably less than it was last year. So there is another reduction in your IRA account.  Right now is probably not a very good time to be cashing in your IRA just to pay your debt off.  I would recommend you list your debts in order the smallest to largest and attack the smallest first and snowball them until you are out of debt.  Remembering NOT to go back into debt as you are paying these off.