Andrew

The only way to get out of debt without it affecting your credit is to increase your income. Settlements, debt management plans....these will all tank your credit scores. Get a second job, do whatever you need to do to increase your take home.

Hi!
Welcome to the forums!
You should try to increase your income. This will help you pay off the debts sooner. You can do part time jobs, give tuitions to children at night, invest in stock market, etc. and make money. You can even save dollars through budgeting and use that money to pay off the account. Try to make some extra payments on the account every month. Otherwise, you can work out an alternative repayment plan with your creditor. But the creditor may not agree to work out an alternative repayment with you since you are already current on your account.