Sell some thing or things that you can live without, assuming they have enough value. Aside from that or a home equity loan that is alot less interest, I cannot thing of a way to do it fast, and without alot of extra income not needed for necessities.

yes.....sell your stuff because interest builds up FAST i have 2 parents so I know.....anyway your thousands can and WILL eventually turn into tens of thousands.(like imagine 80 thousand)..If you have collection agencies calling you everyday you can usually negociate to pay off like a fraction of it to call it even.

If you can, DO NOT pay the minimum. Create a budget for yourself and pay every extra dollar towards that principal so you will pay less in interest. And if you have multiple credit cards, try to consolidate your debt onto the one that has the lowest fixed interest rate. Yes this means payoff one credit card with the other. Edit:Principal = money you have charged to the card.

It's important to make yourself a budget. Lay out your monthly income, ALL of your monthly expenses (rent, car, gas, food, electric, water, phone, etc... everything!). After you know how much you have left after you pay your living expenses, you should take a small amount and put it away in savings, just in case you have an extra large electric bill one month, or your car needs repairs... you want to be able to cover the expense without putting it on your credit card. Then, whatever is left of your income goes towards a credit card payment. ALWAYS pay more than the minimum amount due. If you have more than one card, see if you can't consolidate all the debt onto the card with the lowest rate. If you can, great, make all your payments to that one card. If you can't: pick the card with the highest rate to pay off first. Make the big payments to that one, and just make the required payments (or plus a small amount, to make it more than minimum) to the other card(s). Once that highest-rate-card is paid off, move on to the next card. Continue until they are all paid off. If you have more than one card - then you'll need to close all the credit card accounts except one. You should have one credit card, for emergencies, but don't carry it with you. If you have it with you, you'll use it. So leave it in a safe place at home, or in a safety deposit box, or wherever you want - just not in your wallet. It won't get all paid off overnight, but if you stick to your budget (yes, it sucks) you will eventually get it all paid off. What's important is that you stop using the cards. Don't add to the balance! Use your income for your living expenses (and no, going out to dinner, going to movies, going out dancing - those are not living expenses), and you can build in a small amount each month for 'fun' things, but not too much. You've spent way more than you can afford for too long, and now you have to stick to the budget to get yourself out of the hole. Once it's paid off, it feels great. Believe me, I've been there. Once you don't have that debt, all that money you've been using to pay off the cards is yours to spend as you wish. Just don't add to the card balances, and you will eventually get there. Just be sure to make all the payments, and make them all on time. Late payments (and missed payments) are really bad for your credit. Pay off your debt, and DON'T DO IT AGAIN! lol Good luck!

rob a few banks and don't declair the money. it's either that or try the horses.

assuming that you live in the US. Your county, has a consumer credit counselling center, they can reduce your payoff, get you lower payments, and sometimes with no interest at all. This service is free and you should make an appointment even if you don't want to use them after you hear their speal...

Cancel your cable, eat in, rent movies or watch what you have- do not go to movie theatre, do not go to restaurants. Debt stack your credit cards. Take all your cards. Find the card that has the highest interest rate.Now, list all cards from highest interest to lowest interst rate. Next to this put the rate on each card. Next to this, put minimum payment the company wants you to make. Next, list what you pay each month. For the second place card, all the way down, pay ONLY the minimum (your credit will not be affected this way). Take all the extra that you were paying to these cards and put minimum plus all this extra payment to the highest interest rate card. As soon as that is paid off, roll the payment down to the next card plus its' minimum payment. Let it roll like this all the way down to the last card. If you do use a zero interest card to pay off another, DO NOT charge anything else to the 0 interest card. Otherwise those charges will accumulate interest from the minute of the first purchase. Hope this helps.

Do NOT use a credit consolidation company they are just as bad as filing bankruptcy and they stay on your credit for 5 years. Consilidation companies basically negotiate a lower interest rate and payment, you can do the same thing by calling each creditor and talking to them. Best thing to do for yourself and your family is pay the lowest balances first working toward the higher balances. Create a budget for yourself and your family and STICK to it. Know where your money is going and how it's being used. There is no immediate answer to your debt. Do not borrow from family or friends, you'll dig yourself a deeper hole. Most importantly review your finances and create a budget and stick to it. Over time your debt will be gone. Good luck

A friend of mine told me this and she swears it works...Let's say you have 5 credit cards. Pick out one that you want to get paid off first. Pay the minimum payment on the 4 other cards and take the additional money you would have paid on the other 4 cards (over the minimum payment) and put it towards the card you chose to pay off first. After that card is paid off, go to the next card. She swears it works

Check out www.123applyforcredit.net. There are several choices to help you fix your debit.