How do you clear you debt?

I think the best way to clear your debt is by paying them off, you can negotiate with your bank for small installment payment make over several months if you can't pay it off in one payment, many banks will accept the arrangement provided you have a job and is willing to work out a deal to clear your credit card debt, provided it is issued by bank, other than that, you can always talk to the credit card company to come out with a payment plan. And also you must begin to cut down your monthly expenses to meet your obligation in time too, that take some sacrifices on your part. Pal!!

I am so far behind in everything I wish I could tell you a way but I really don't know what to say. I have had to get extensions on all bills I have and I thank god they work with me. If I find that I am close to nothing in the bank I will leave my cards at home and pretend I don't have them until I get caught up. I have been counting change for everything lately gas, cokes ,some food, I will go to the Dollar Store they seem to be a big help at this point. I have been saving change just if something like loss of job. Which did happen. Now I am running out of it. But all we can we can do is Pray something better comes our way. I hope things get better for you and I'm sorry I can't think of anything to help you at this moment but if I hear of anything I will certainly let you know good luck to you.

Before each year end, I had to clear all my debts in my credit cards. A good way to spend the new year with no worries about debts. I have enough money left from the holiday spending which was alloted for my debts.