You get out of debt in many ways by creating a Credit Financial Plan designed to address all creditor accounts through an audit and verification process that address all of the accounts. Every line item needs investigating first and foremost for the information needed for an audit validating the account as required by law under; The Federal Credit Reporting Act (FCRA1987 revised 2004) and The Fair and Accuracy Credit Transaction Act of (FACT2004)
Note: The creditors must provide all of the verifications on the information that the account belongs to you and that the specific derogatory reference is entitled to remain.

Any remaining accounts will need the same type of investigation, but towards the balances reflected, to include an audit of any additional fees and interest. These investigations are conducted to ensure that the accounts conform to the established guidelines and statues of the; Federal Fair Billing Act (FBCA1974 revised 2002).

Then after these events, which is the process of credit and debt remediation, can one decide if it is possible to pay your way out of debt and how long it will take.