I've worked for a bank for 25 years and I am a popular finance blogger in my spare time. Getting out of debt isn't EASY, but it can happen and I'm happy to provide you with the help to make it happen.
I'll give you a free spreadsheet that will help you create a fantastic debt snowball to pay off your credit cards and other debts off strategically and QUICKLY. It has six different payment strategies you can choose from so you can compare and see which will get you out of debt in the least amount of time. I will also share several great tips to help you stick to your program as well as a special SECRET tip of my own to eliminate ANY late fees (ever!) and speed up your progress.
You will not need to share any of your personal debt info with me, so your privacy is respected. You will need to have Excel available and some very basic knowledge of it, but it's pretty easy stuff. Mainly, you just add in your bills, total amounts due, and monthly payments and it tells you exactly how much to pay each month for the best results. If you stick with it, you WILL be out of debt - fast!