How to Get Out of Debt

How our program helps:

  • Cut your monthly payments in half
  • Reduce your total debt by up to 50%
  • Be debt free in as little as 12 to 48 months

Select Your Debt Amount:



Debt can feel so stressful and overwhelming that it seems easier to ignore it rather than tackle it head-on. Although it’s tempting to avoid the problem, the “ignore your debt” strategy usually leads to even more debt (and stress). Fortunately, there are a few strategies you can use to make a plan of attack to take control of your debt.

Why Getting Out of Debt Should Be a Priority

Working your way out of debt can lead to a healthier, less stressful life. If you focus your energy on paying back your financial obligations now, “future you” will not have to deal with the cycle of dread associated with past-due bills and high interest charges. Being debt-free can also lead to better financial security and higher credit scores, which will allow you to spend your money on the things that matter most to you.

How to Get Out of Debt Fast

Although there isn’t a magical way to make your debts quickly disappear, you can rise out of debt sooner by staying focused and making responsible financial moves. Here are our top recommendations:

  • Quit Using Credit Cards: Avoid adding to your current credit card debt by switching to cash. Paying with dollar bills and coins can help you make more thoughtful spending choices while reducing the likelihood that you’ll overspend.
  • Follow a Budget: Budgeting allows you to organize your cash flow by making a spending plan. By visualizing what expenses you must commit to (like rent, bills and groceries) and prioritizing your other monthly payments (like dining out and entertainment), you can make smart choices about where you can save and what you can do without. Put the money you’ve saved from budgeting towards your debt repayments.
  • Pay More Than Your Monthly Minimums: If you only pay back a little bit of what you owe every month, you’ll likely rack up interest and be in debt longer than anticipated. Tackle your debt faster by paying back more than what’s listed on your statement.
  • Get a Second Source of Income: Whether you take on a second part-time job in addition to your primary job, freelance on your own, or work through an on-demand service, you can use the additional money you’ve earned to help pay down your debts.
  • Put All Unexpected Money Towards Paying Down Debt: Whenever you receive a bonus, tax refund or monetary gift, resist the urge to go on a shopping spree. If you treat this “surprise money” as a bonus bill payment instead, it will help you pay off your financial obligations sooner.
  • Use a New Strategy: It’s easy to lose sight of your progress when you’re attempting to pay down a mountain of debt. Approach your payments in a different way by trying either the debt avalanche or debt snowball method. A new strategy can help you stay motivated to pay down your debts faster.
  • Get Expert Help Through a Debt Relief Company: Consult with a trusted financial relief organization to discuss your options. At Accredited Debt Relief, we provide debt consolidation and settlement services that help our customers pay off their debt more quickly. Oftentimes, through working directly with your creditors, our team is able to negotiate legal settlements that are lower than what you originally owed.

When to Seek Debt Relief Help

You may still find yourself struggling with debt after attempting to handle it all on your own, and that’s perfectly normal. Your unique financial situation may require additional support through a debt relief program, but how do you know if it’s the right choice for you? It might be a good idea to look into one of these programs if you:

  • Know you won’t be able to pay off unsecured debt within the next few years
  • Can only afford the minimum payments on your accounts
  • Have been contacted by debt collectors and have received collection letters
  • Have debt that is more than half the amount of your income
  • Regularly make late payments on bills
  • Are increasingly stressed out by your debt

How to Get Out of Debt FAQ

How can I get out of debt faster?

Paying more the minimum payment amount can help you get out of debt faster. If this isn’t an option for you, Accredited Debt Relief can help. Our debt settlement program reduces the amount of debt you owe through negotiation.

Can I get out of debt when I have no money?

Paying off debt with a low income is more difficult. Exploring options that reduce the amount of debt you owe can help. It is possible to get out of debt on less money with thoughtful budgeting and relief strategies like debt consolidation and settlement.

Which debt relief method should I choose?

The best debt relief option for you is the one that will help you get out of debt faster and for as little money as possible. Factors like your income, creditworthiness and the amount of debt you owe will influence your decision. A Certified Debt Specialist at Accredited Debt Relief can help you determine if our program is the right fit for you.

Get Debt Relief Help from Accredited Debt Relief

Accredited Debt Relief is an organization dedicated to helping individuals overcome their debt. We’ve helped people just like you gain control of their finances, and are an A+ rated and accredited BBB business. Accredited Debt Relief can help you pay off your debt quickly, so you can finally take the first step toward financial freedom. Contact us for a free consultation today.