If you’re looking for some options for debt reduction, here are some fairly fast and effective methods you can explore.  One of the most popular but most extreme is bankruptcy.  Honestly, bankruptcy should be something you consider only as a last resort.   Another less extreme method that shouldn’t hurt your credit score is credit counseling.  It used to be a black mark on your credit report but now the fact you realize you need help isn’t counted against you as it shows you want to pay back your credit even if you may be struggling with paying your bills.  You can also look into debt settlement and debt relief programs.