Is there anyone out ther in this world who can help someone get out of debt?

Answer 1

You don't need anyone to do it for you. You can do it yourself!

Call all of them and work out a payment plan and try to get your interest lowered or stopped.

Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.

You proabbly need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control.

Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.

Go to the library and get "The Total Money Makeover". Read it and follwo it carefully.

Go check out Dave's website as well.

www.daveramsey.com

Answer 2

RickB is dead on the money. Follow his prescription for paying off your bills. When you do pay off the bill, write the lender or creditor and ask that they update your credit report to show that this bill has been paid.

Next, cut your expenses. Forget about lottery tickets, a party or night out on the weekend, booze, cigarettes, movies. Rent a DVD and stay in at night instead. Forget about going out for lunch at work. Carry a brown bag lunch instead. Don't buy a ton of prepared food for home - get the ingredients, and put together simple meals that you actually cook.

It's not easy, but it can be done.

Answer 3

Besides yourself, probably nobody except someone who really really cares a lot about you - and that is usually a very close relative. But even they are not going to just hand over their checkbook. Meanwhile, you incurred the debt, now you get to pay it back - or at least make the minimum payment required by the lendor.

Answer 4

YOU!