There are many agencies out there that give great advice with debt.  Most of the time they talk about setting priorities and goals.  If you want to get out of debt, you need to follow the advice they give you with regards to your creditors so you can get out of debt as soon as possible.  The longer you remain in debt, the more money you owe.  Interest piles up and before you know it you pay $1000 for a $100 item.  The interest is the worst part and those items that are accumulating huge interest need to be paid first.