The road to getting out a debt is a long one. Many individuals spend years trying to get their finances organized, and under control. Here are a few options that can help to get you started. Credit counseling is one of the easiest ways to start getting yourself organized. A credit counselor will hold you accountable for taking action. They will guide you every step of the way so you don't feel along. There are many organization out there that charge exorbitant fees to counsel you, and some of them do not do much for you. The company you choose depends on your comfort level, but there are many things that you can do yourself without the need to retain counseling. There are also several professionals out there with low fees, that will hold you hand through the entire process. Debt consolidation is certainly an option for many people. If the majority of your debt is high interest credit cards, this may be something for you to consider.Instead of several high interest payments in a month, you may be able to qualify for a single lower interest loan through a bank or other lending institution. Some credit cards will also offer to transfer your balance from other cards to theirs. If you have the room on a credit card, and there is a good drop in your interest rates, this is something you will certainly want to consider. Along the lines of debt consolidation loans, you may choose to refinance your mortgage. There are several reasons to do this, but if you have a large amount of equity in your home, you may be able to refinance the payments to receive a lower interest rate on your mortgage, and even borrow additional money to pay off your credit cards all together! If nothing else, the savings that you would realize just by lowering your house payment can be used to power pay your credit card debt. The options above are not a quick fix on the road to recovery, but you are now armed with more information to help you on your journey.