Credit & Debt Management Control

I am in debt and i need to get out?

So im young but im in debt. I get so upset about it but im not sure what to do. i always see these commercials about Getting Out Of Debt but i dont think they work. i need some help and adivsed really bad!!!!! please and thank you.

I too am in debt, and slowly getting out of it. And when I say slowly, I mean slowly, but I am getting out of it. Not long ago, I read a book written by the principles of debtors anonymous, called “how to get out of debt, stay out of debt, and live prosperously” by Jerold Mundis, and I have to say that this was the best book that I have ever read in my life. Some of the concepts seemed hokey to me, but if you follow the principle of the book, it’s amazing. I started in October with $48,000 in debt, and today only have $37,000. I will not claim bankruptcy, I refuse. I will not go to one of those 1-800 #’s, as I refuse to destroy my credit rating. Its my bed and I need to lie in it.
When I have a set back (everybody does) I take out the book to remind myself of my goals. I know that in time, I will be debt free. I just know that it will take patience. We aren’t living in the best economy right now, but I know it will get better. I am investing too right now, something that I didn’t do before because of my debt. We are already planning on building a house next year, which is another incentive for me to continue my debt repayment process. It takes time and patience to get out of debt, and a solid plan.

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