It is very important that while you are paying your creditors, when you mail in your payment, that you pay by check or money order and keep all of your receipts.  Always include a SASE (self-addresses stamped envelope) with your payment and request a receipt for the payment from the creditor.

Obtain copies of your credit reports on a yearly basis from each agency.  Do not obligate yourself to any other creditors while paying off your current ones.  You will or may receive several credit offers, throw them away.  Stay focused on your goal to get out of debt and keep track of all your activity such as payments, contact with the creditors, their names, extension, time and date you spoke with them and list any details of your conversations and arrangements.