Many people use the same mistakes that got them into debt to get them out of debt. And if they do it right, it will work. Figure out what you have that has value. For instance, equity. That doesn’t exist any more as far as housing but what about your vehicles. How much do you know about car refinance?
Did you know that if you owe less then what your car is worth you can basically take a loan out on the remaining value at a fairly low rate. Most Likely lower than a mortgage loan and definitely lower than a credit card.
If you are one who lacks the tedious tracking or discipline to put an extra 150 a month towards a debt then this might also help you stay on track. By taking out a loan on your car, and transfer it directly to another existing debt. Now, you’ll have a required extra payment, and you just transferred a portion of a debt to a most likely lower interest rate.