This may seem pretty straightforward, but many people don't realize that borrowing money is the first step to accumulating more debt.
Resolve is an app that connects people with experienced debt agents for a low monthly membership fee.
For getting rid of all of the bad debts within the fastest possible time, you should use the debt snowball method.
An alternative method to the Debt Snowball method is the Debt Avalanche which is another good option for paying off your debt.
All you need to do is ask! As long as your repayment history is solid, it would be best if you had an excellent chance of getting better terms.