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How Do I Get Rid of My Credit Card Debt Fast and Not Hurt My Credit? – Joy

“Dear Steve,

I want to do whatever it takes to get out of debt. But we don’t want to hurt our credit as we have 2005 Civic that has over 100,000 miles and a 1996 Jeep with over 200,000 on it. We will eventually need another vehicle. I have over $25,000 in credit card debt and interest as well as the payments are killing me.

How do I get rid of my credit card debt fast and not hurt my credit.


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Dear Joy,

Outside of winning the lottery or getting an inheritance the most likely ways are to increase your income, reduce your expenses, or get a lower interest rate debt consolidation loan to pay off the cards.

The place I suggest for fixed rate unsecured debt consolidation loans is It is a peer-to-peer lending network that cuts the banks out of the loop and makes a lot of debt consolidation loans.

Outside of that, while it will have some credit impact, a credit counseling program is worth looking into to lower your interest rates. You can click here for credit counseling information.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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