You have made the decision to get out of debt, but you want to get out of debt fast. How fast you get out of debt all depends on how hard you work at it and how well you stick to the plan. It is kind of like losing weight. You are going to get out of it what you put into it. There are couple of different ways you can do this, but keep in mind the more aggressive you are at coming up with extra money and cutting your expenses, the quicker you are going to be able to pay your debts off.
You can pay your debts off on your own, by following a plan that has you paying the minimum amounts on all accounts but one. This target account will be getting everything you can spare as its payment. When that account is paid off, you will select another account as your target account and it will be getting every penny you can spare. You should be paying at least what you were paying on the previously paid off account plus the minimum payment that you were paying on this account before it became your target. This process is followed until you have paid off all of your accounts.
If you think you need more structure, enroll with a credit counseling company and they will consolidate all of your unsecured debts and you will only make one payment each month. It will be about 2% of the debt enrolled in the program. You will not be getting a loan, need a credit check or have to own a home. Your interest rates will be reduced and your fees eliminated.
With either of these programs, the way to expedite them is to be resourceful about coming up with ways to come with extra money to put towards your debt. Do you have things that you can sell? Do you have a hobby that can make you money? Do you have a service that you can use to make money? The options here are endless. You can get a quote for online debt consolidation and then you will be on your way to get out of debt fast.