You already know about the most common ways to get out of credit card debt. You can go to a credit card counseling agency for debt help. You can refinance your home for credit consolidation in order to reduce your monthly spending. You can get a second job. But you’ve probably tried all of those methods and they’ve gotten you nowhere.

Don’t give up! Here are some creative ways to get yourself out of credit card debt:

o Stop paying it. Most people think that this is absurd but this is exactly what you do when you work with a debt management company. You don’t pay for awhile and then settle on a lower sum to reduce the debt.
o Hold a fundraising drive to pay it. Set up a website, add a PayPal widget and advertise through everyone you know. Everyone will empathize with the debt and you’ll get enough pennies here and there to pay it off.
o Sell your stuff. If you have debt, you probably have stuff. How much of it do you really need? Sell it and pay some off.
o Quit your job. It’s counterintuitive but if you get really desperate for money, you’ll get really creative about finding some – so creative that you’ll get more than you need and be able to pay off that debt.

Think outside of the box and eventually you’ll become debt free.