Get out of debt, stay out of debt, and live prosperously. Real debt help is not quick or easy. One of the first steps you can take to get out of debt is to immediately stop using credit cards, keeping just one card for emergency use. Cut back on your expenses and use free cash to pay down your debts.

Consider a second job and use the money from the job to only pay off your debts. Pay off the debt with the highest interest rates first and work your way down the list. As a last resort you can get a loan to pay off all debts and have just one payment to make. The new loan usually has a smaller payment and a lower interest rate. Using a combination of the above methods results in very quick debt reduction. Reduce your debt and rebuild a strong financial future. You can expect to become debt-free in as little as 12-36 months.

Posted: Friday 9th June 2006, 4:39 AM

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