Remember that there is no quick way to take control of your finances.
You must understand that taking control of debt payments will be a bit tedious if you don't approach an expert who can help you out with it.
No magic wand can turn your debt free within a fraction of a second.
Debt relief programmes can help you but you need to be patient on this.
If you believe in this, then you will go a long way.
Accumulating a huge balance is not the right thing to do.
This will soon grow up to be a huge financial labyrinth that you can't find a way out soon.
Paying your dues bit by bit can make you get free of this maze.
Take up right measures to develop a plan that can put your finances back in control.
Next best thing you must follow is to keep your expenses in control.
Draft out a budget plan and stick to it.
Show interest towards paying back all your dues and not ignore it completely.
Your creditors may be willing to arrive at a lower interest rate if he believes that you are not in a position to pay back, negotiate with him.
Creditors would show some interest as he genuinely feels that you are unable to repay and you would want to pay back at least a portion of what you owe to him.
Consolidation loan is another option which lets you merge your loans together into one so that you will be able to repay with a consolidated bill.
This single bill will be lowered down as they are merged and you may have to pay a lower interest rate too.