Drowning

First off congratulations on taking the first step to becoming debt free that's a big step. It's a process but taking action will make you feel much better. My advice would be to go through your income and expenses and reduce as much as possible. Reduce cell phone plans, reg phone, cable, auto insurance, everything. Check everything and see where else you can cut, usually you find quite a bit, I have reduced cable to basic, checked auto insurance and saved $40 dollars per month, every little bit adds up. Also, getting a 2nd job and plowing all that into your debt will help. I'm finding this is tougher than it looks and I'm not perfect at it, but I'm working at it each day, cutting back, putting alittle in saving and trying to get out of debt.

Good Luck!

Congrats fewturern! you have taken the right decision by going on to take professional help. your firm is there to advice you on technical matters. just keep one thing in mind, DON'T MISS OUT ON YOUR MONTHLY PAYMENTS AT ANY COST. you don't want to burden your debt with late fee charges. and don't go on to take any new loans until and unless you have cleared up this one, however tempting the clauses might seem to be. All the Best!

I would suggest that you read Dave Ramsey's books Financial peace and The Total Money Makeover. getting out of debt is a good thing. Having a good roadmap to keep you out of debt problems is very important, these books will give you extremely helpfull knowledge.