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You don’t need to consolidate your bills—you need to delete them.

To do that, you have to change the way you view debt!

It won’t prevent you from getting credit in the future, but for a time some credit products will be unavailable to you and others will come at very steep prices.

Also, not all debts can be discharged in a bankruptcy. Collection accounts fall off your credit report after seven years.

Dave says, "Personal finance is 80% behavior and only 20% head knowledge." Even though your choices landed you in a pile of debt, you have the power to work your way out! The solution isn’t a quick fix, and it won’t come in the form of a better interest rate, another loan, or debt settlement.

The solution requires you to roll up your sleeves, make a plan for your money, and take action!

The truth is debt consolidation loans and debt settlement companies don’t help you slay mammoth amounts of debt.

Two words for you: , although often the terms are used interchangeably.

We’ve already covered consolidation: It’s a type of loan that rolls several unsecured debts into one single bill. Debt settlement means you hire a company to negotiate a lump-sum payment with your creditors for less than what you owe.

You’re in deep with credit cards, student loan debt and car loans.

Minimum monthly payments aren’t doing the trick to help nix your debt.

Debt settlement companies also charge a fee for their "service." Most of the time, settlement fees cost between $1,500 to $3,500.