How to get out of debt....HELP!

[stephenNUTS]

Three MUSTS:

1.Get a second job,or a full time job that will pay at LEAST double your current salary.Your 23 dude...ya' gotta work more than 2 days a week!

2.What is your credit like?
If it is good,as stated above get a balance transfer type C/C offering 0-2% intro rate for a year...and pay down that 10K ASAP.If you dont pay the 10k down/or in full do it again next year...and then RIP the cards up!
Most young people(i was a victim/naive as well) NEVER understand how much interest the banks are charging/ripping you off

3.Your car....WOW??
Waaaay too high.You say you live with your parents .See if you can register/insure the car in their name...at least till you get those points off your DMV record ,and get that "under 26 Male driver" penalty that alot of carriers have.I know here in the Northeast,that is the age where your rates become more reasonable.

GL,
Stephen [img]/images/graemlins/cool.gif[/img]