You may find the title kind of funny but it’s a search that so many of you place into a search engine to get answers when it comes to debt.  Can debt disappear without paying a penny?  No!  You probably already knew the answer to this before you even started, but there are some things that you can do to drown your debt without applying any money toward it. 

Call up those credit card companies today

Negotiating is the key here when it comes to calling up the credit card companies.   Did you know you can call up the credit card company and ask for your rate to be either decreased or you can agree on a lump sum payment?  Let’s say you owed $15,000 and you had $7,000 in your bank account.  There’s a good chance the bank will take the $7,000 and call it even.  Look back to a post when I wrote about negotiating with the credit card companies.

Be realistic — make more money!

You have to be real realistic when you’re thinking about getting out of debt without making any money.  Can you go into any grocery store and purchase bread without money?  No!  The same goes with your debt.  There are so many ways to make money out there.  It’s your time to get up off your butt, make some money, and give back to those companies on who you owe.   How would you like it if no one gave you money back that you rightfully deserve?

Debt is so easy to get rid of, you don’t understand.  If you have the self discipline and the motivation to attack your debt, you’ll soon see your balance go from a high amount to next to nothing.  If you’re not making a lot of money, find a skill.  If you’re making money, find out how you can make more.  Debt won’t be settled without cash.  Try some of the tips above and let’s hope that your debt will soon become next to nothing.