How can I get rid of $30,000 in debt easiest?

I owe 30k and absolutely do not want to file bankruptcy. I can afford to pay $900 per month but the balance just will not go down. They will not lower my interest rate either. I am skrued?

Please do not consolidate. It is not free, they will lower your payments by increasing the length of time until you are debt free, and you will take a hit on your credit score.
If you are able, transfer the balance to a low or 0% rate credit card so that your "minimum payment" is less and the interest accrues more slowly. As far as paying it all off, there is a better way and you can "jump start" your payoff:

A. Have a garage sale and sell anything that you no longer need or want.
B.Get a temporary part time job, if you have one, get another. The holidays are coming and there will be plenty of temporary jobs available. It is better to have a no fun year or two than a no fun decade.

Here is a plan that can help you. If you work the plan, the plan will work for you:
1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an "emergency fund" category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don't even have to worry about it. You must cut your spending and live on less than you make.

2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on.

3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:

To start :
Debt #1 (highest interest): minimum payment+ extra payment
Debt #2 (middle interest): minimum payment
Debt #3(lowest interest): minimum payment

Debt #1: paid off
Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment
Debt #3: minimum payment

Debt #1: paid off
Debt #2: paid off
Debt #3:Mimimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.

That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.

4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.

5a. When you have your emergency fund in place, add a category for "fun" to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.

5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire.

5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up for a nicer car. That way you get the interest instead of paying the interest.

You can do it and it isn't as hard as you think. Just follow the plan.

Well I would close my eyes, pretend it doesn't exist, and have a beer. If I can't see it, it can't hurt me.
Or you could go the hard way, for suckers, get a part-time job, and/or cut your expenses so you can pay more each month.

You have one of three choices,

1) find a way to get a personal line of credit with minimal interest

2) get help from a debt counselor to reduce your payments and interest

3)be prepared for bankruptcy or work at 3 jobs for 16 hours per day to pay the debt off fast before the interest kills you!

Cut expenses , give up the cable, internet, coffees to go,
get a part time job on weekends and evenings. You need to put more than 900 into that debt. You need to at least pay 1800 minimum if not more. Pay down the debt with the highest rate first then next and so on. Cut up the credit cards and once an account is paid in full call and cancel the account. You got yourself into this hole but you can get yourself out.

Try Financial Peace University for ideas. I went through this at the church, and my debt is disappearing! Work with you companies, offering a payment plan list for each one. Pay the most on the card with the smallest balance, and work your way up to the highest applying the amount from the lower to the next. You can get the companies to stop or lower interest rates and fees as you work throrugh the plan.

Change your Name and SS#, that should do it!
OR tell them IF they don't lower it you won't pay a DIME!

No you are not screwed. You can always negotiate with creditor. They, themselves, don't want you to file for bankruptcy. So for them it's better to negotiate with you. For that kind of debt, I would use professional help. I'd use http://www.loansmarter.com/creditsolution/ because they are very professional. This year alone they settled $200 million in debts. Btw, they offer free consultation in the beginning with no obligation whatsoever - so if you don't like what they're offering, you can always walk away.

Oh wow, that sucks.

Why don't you want to file bankruptcy?

I recommend using a MSI Credit Solutions out of Dallas Texas. My consultant Adrian got me signed up 6 months ago. I had about $25k worth of debt, numerous collections, charge offs, and late payment reported on credit. After just 4 months about 3/4 of my collections where removed which in turn kept me from having to pay about $18K worth of unpaid debt. My credit scores when I started were 515/532/564 now after 6 months they are 689/715/721
Call Adrian he is awesome and his advice is free.
1-866-217-9841 x314 or check out their website at msicredit.com
Good Luck

Get some courage from Mr. Daniels

Find a debt consolidation service, their full time job is helping people get rid of debt.
There are not-for-profit debt consolidation services.

Good Luck

I recommend debt settlement . Total Debt Solutions partners with a company in California called New Life to offer debt settlement. New Life has been in business for years and is listed with the BBB. My dad used them with great results getting debt free in 36 months. He held the money in a trust account; this isn't just sending money to some faraway company each month and saying a prayer that you dont get ripped off. Check out the source website and their free evaluation form or toll free number; they can help

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