Find all bills you have that are past due, and formulate a plan to get them paid off and off of your credit report. Things like student loans that are paid on time are sometimes considered good debt, but don't let them get out of hand.

If you have problems when trying to get out of debt, consider getting professional help. There are many companies that specialize in helping people get out of debt, and some won't cost you anything. Many of these companies already have relationships with some of your creditors, and they can help get your payments reduced so you can pay off your debt with less stress on your budget. Some offer loans to get your debts paid off, but remember you have to pay that money back.

The last step to consider once you get out of debt is to stay out of debt. If you can't control your credit card spending, it might best if you don't have any. This applies to major credit cards as well as those offered by department stores. Learn to live within your means, and make sure you stay out of debt so you don't have to go through the pain and the process all over again.