Getting out of debt

we need more information from you Joe. can you tell us how much debt you have. read http://www.debtconsolidationcare.com/getoutofdebt.html

Hi!
Welcome to the forums!
What is your total debt amount? Can you afford to pay it off on your own? Anyway, you can negotiate with your creditors to reduce the interest rate on the loan. Once they agree to lower the interest rates on the loan, you can start making payments on it. You can even request them to lower the total payoff amount. If you are unable to pay off the loan on your own, then get professional help. You can enroll in any of the following debt relief programs - credit counseling, debt consolidation, debt settlement, etc. The bottom line is you have to make payments on the loan or you can't get rid of debt.