If you are really ready to go, on give these steps a try (don't worry, if you get into a plan to get out of debt and it feels to hard, it might be better to start with reducing debt. You will be surprised at what you can do once you establish a new spending personality):

• Confront the debt. Ignoring it will not make it go away, but it will make it cost you more.
• Commit to changing your spending habits
• Make a list of your debts and creditors
• Make a list of income and expenses
• Eliminate all unnecessary spending
• Seek ways to earn additional income if possible (this should be earmarked for your get out of debt program)
• Make a payment plan
• Make all payments on time - no exceptions
• Consider enlisting debt help from a reputable agency such as Consumer Counseling Credit Services
• Reward yourself for small accomplishments along the way.

You can get out of debt. Granted, it won't happen overnight, but you didn't get into debt overnight either. Be patient with yourself and your plan. The peace of mind and personal satisfaction you will feel when you get out of debt is priceless but you may need debt help along the way.