easy ways to pay off your debt without going bankrupt?

Answer 1

The way that has worked for me is a method that Dave Ramsey advocates called the "snowball" method. You focus paying down the smallest debt first, while making only the minimum payment on all other debts. Once that is paid off you apply what you were paying on that debt towards the next smallest, etc. etc. It really works well.

Good luck!

Answer 2

There really are no easy ways. You will need to cut back on your lifestyle (i.e. cancel the cable TV, drive an older car, etc.), and use all available money to pay off the debts. I would also advise the use of the "debt snowball" (start with the smallest debt, then the next smallest, etc.)

Answer 3

Write them a check for the debt every month that they accept, and keep doing it until the debt is paid off.

There's no easy way to get out of debt.

Good luck.
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