get out of credit card debt ????? how?

Answer 1

Declare bankruptcy - you won't have to pay anything back and have fresh start.

Debt consolidation - get a bank loan and pay them off.

Credit counselor - negotiate for a debt settlement so that you can pay it off in 5 years interest free.

Once it is done, put your credit cards away. Use them only for emergency. Never charge anything you can not afford to pay off when the bill comes.

Answer 2

Get the Total Money Makeover by Dave Ramsey. It has step by step, practical information on how to get out and stay out of debt, plus more. Get it at the library, if possible, to save money! He suggests starting with your smallest debts so you can have the satisfaction of paying off bills. That will get you more excited as you work up to your higher bills until you are debt free. I would also suggest selling things you don't need or use to pay off the debt faster. Please do not declare bankrupcy. It will ruin your credit and it hurts other people's businesses when they are not paid what they are owed.

Answer 3

Stop using the credit card. Or any credit card for that matter. Make bigger payments until out of debt.

Answer 4

This is hard to do. You will need to create a budget. Lay out your CC statements, least to most expensive. Pay minimums on most expensive, but put as much to the smallest one as you can. Then when the small one is payed off you will be able to put more to the next one, do this until you get to the largest one. This will allow you to put more money at one CC, instead of small amounts on all.
Eventually you will have them all payed off.
Again this is hard to do. You must sacrifice something either now or later. It is much better to do this now.

Oh yeah once you have that last one payed off. Invest that same amount until you can retire and live off 6% of whatever you save.

Answer 5

The same way you got in - a little bit at a time. And in the meantime, stop using them - only buy what you really need, and use cash.

Answer 6

pay them..