Being in debt can really hurt you. First of all, the constant calls from debt collectors are annoying and not paying bills on time can lead to late fees. The most important issue you will have with debt is having a poor credit score. Having a good credit score is important for securing loans, getting a decent mortgage, and sometime even for a job. I would like to share with you some debt advice that can lead to an increase in your credit score and help you get back on track financially. The first bit of advice I have for you is to gather all of you bills. Place them in front of you so you get an idea of what you have to get rid of. Your next collection is to have all of income from all of your jobs. Once you see what you have coming in and what you have to get rid of, it is time to get rid of your debt. First step is to dedicate one bank account where you will deposit your pay check. Then you will take all of your monthly bills and add up the minimum payment. For example if you have three credit card with minimums of 20, 25, 23, then you know every month you will have to pay 68 dollars. Go call up you bank and set up automatic payments with you bills so they will be covered. Now you will set up a budget. On a separate piece of paper, add up you mortgage, and regular monthly bills like food, water and electricity. Do not forget to add up the monthly bills you just set up. For this next step it will be different for everyone. Go through the first month on this budget and look at what you have left at the end of the month. With the extra money each month you will tackle the rest of your bills slowly. First get rid of all these medical bills that are in collection and then head to any other small bill that you have coming at you. For some it will be gone in two months and others it may be a year to get rid of but they will be gone. Once they are gone, you may increase the monthly amount toward reducing credit card debt. By keeping on top of your credit cards and not missing a payment, your score will be on a slow steady rise. Certain factors that will lower your credit score includes but is not limited to, having a balance close to your maximum capacity, a lot of bills in collection, and late payments. Once you have all of these under control, you will get your credit back on track. One more important tip, while you are on your way to a better credit, do not even think of applying for any kind of credit card. Applying for cards that look into your credit history will automatically lower your ratings. I know if you listen to all this advice, you will be on the road to financial freedom.