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Debt

Here are some of the best solutions for how to get out of debt and stay out of debt.

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Click on this if you're also interested in how to prevent getting into debt in the first place.

  1. Face the reality

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  2. Deal with your anxiety/insomnia/depression

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  3. Make a list of all your debts and their interest rates

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  4. Track all your spending

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  5. Enroll in a Debt Management Program

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  6. Make a budget plan

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  7. Enroll in Debtors Anonymous

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  8. Set realistic and periodic goals

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  9. Pay debts with higher interest rate first

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  10. Cut down on your expenses

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  11. Downgrade your possessions

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  12. Find a way to earn extra income

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  13. Reward yourself after every achieved goal

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  14. Use extra money from gifts, bonuses, etc. to pay off your debt

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  15. Ask your bank or credit card company to reduce your interest rate

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  16. Ask your bank or credit card company to freeze your interests for a while

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  17. Make more than minimum payment

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  18. Lower your interest rate by changing banks

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  19. Make a balance transfer with 0% interest rate

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  20. Use your credit card only for emergency

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  21. Ask your bank to waive overdraft fees.

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  22. Talk to a credit counselor

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  23. Pay bi−weekly instead of monthly

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  24. Maintain your credit score

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  25. Consider debt consolidation

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  26. Consider a debt settlement

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  27. Ask family and friends for an interest−free loan

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  28. Don't neglect your savings

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  29. Read "How to Get Out of Debt, Stay Out of Debt, and Live Prosperously"

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  30. Understand your debt

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  31. Do not default on your student loan

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  32. Consider a standard repayment plan

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  33. Consider a graduated repayment plan

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  34. Consider an extended repayment plan

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  35. Consider income−based repayment plans

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  36. Ask for a deferment or a forbearance of your payment

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  37. Try to aim more money toward principal

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  38. Ask for a forgiveness of your student loan

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  39. Check with your employer if he can assist you with repayment

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  40. Avoid consolidation with a private lender

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  41. Have an emergency fund

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  42. Charge only what you can afford

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  43. Learn to be happy with less

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  44. Never miss your credit card payments

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  45. Always pay your balance in full

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  46. Avoid cash advances

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  47. Avoid frequent balance transfers

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  48. Immediately report a stolen credit card

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  49. Be sure to understand everything you sign with your bank or credit card company

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  50. Have medical insurance

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  51. Avoid payday loans

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  52. Educate yourself about basic financial concepts

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  53. Carefully examine your medical bill

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  54. Apply for Medicaid

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  55. Ask about a charity programs at your hospital

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  56. Try to negotiate with the hospital

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  57. Don't get emotional

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  58. Make sure this really is your debt

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  59. Ask for a proof that you actually owe to a certain collection agency

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  60. Don't get intimidated

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  61. Write down everything

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  62. Negotiate with the collection agency

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  63. Check the statute of limitations on your debt

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  64. Send every document via certified mail

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  65. Get rid of unnecessary costs

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  66. Increase efforts to collect money owed to you

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  67. Stay in touch with your creditors and suppliers

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  68. File for chapter 7 bankruptcy

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  69. File for chapter 13 bankruptcy

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