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When credit cards and other bills start piling up, it’s easy to feel like there’s no hope. You dread checking the mailbox out of fear there’s a new bill waiting for you and you avoid answering the phone when you see a number you don’t know. If this sounds like your situation, then you should take note of what I’m about to tell you. I’ll reveal the secrets on how to get out of debt fast.

If you want to get out debt fast, you have to start acting now. Chances are you’re still the wrong mentality with the wrong spending habits. Make today a turning point in your life by deciding that it’s now or never to get on your path to having zero debt. Only then will you be able to take the steps necessary to get out of debt.

Changing ones spending habits is a lot harder than you probably think. As someone whose been in that situation before, I can tell you that the human mind is wired to do things in a certain way. If you’ve been purchasing unnecessary items and making impulse buys for the past 10 years, chances are you’re going to find it difficult to change. To help you change your spending habits, you should cut up all of your credit cards and only carry a small amount of cash on you for food and emergencies. Yes, this means you also have to leave your debit card at home where you wont be tempted to use it.

With your spending habits now changed, you see try to increase your income through any means necessary. Perhaps you could work overtime, pick up an extra job, sell off some of your assets or unused equipment laying around your house.

You can work on paying off your debt by contacting and negotiating payment plans with your credits, but this usually isn’t the fastest route. To speed up the process, you should consider hiring a credit counseling agency to work on your behalf and handle the negotiations. Typically, they’ll charge you either a percentage of your debt or a flat rate fee for their services. The benefits to hiring an agency is that they’re trained in dealing with creditors and will likely be able to get you a better deal worked out with paying them back.

Many debt-ridden consumers throw in the towel and file for bankruptcy when their debt becomes too much to handle. This option can certainly help you get out of debt, but there are usually smarter and easier options available. Something not many people realize is that bankruptcy will linger on your credit report for past the 7 year mark. Instead of rushing into a credit-damaging bankruptcy, see if budgeting or a debt settlement can help you out. If you’re unsure of where to start, call a credit counseling agency and ask them for help. There are dozens of agencies, both profit and non-profit, who will consult with you and offer their advice at no charge to you.