Being debt free is a dream that millions of people around the world have, but when you have no idea of how to make that dream happen, it can be a frustrating process to deal with. The first thing you need to do is take a quick look in the mirror, and realize why you are suffering from so much debt. Going over expenses that are unnecessary is a great way to relive debt. Do you really need to go to the restaurant for breakfast every morning? Is smoking affordable? These are all questions you should ask yourself when trying to rid yourself of frivolous debt. If you want to be debt free, that means paying off your debt. Even though bill collectors are calling, you don’t have to let them push you around. Collection agencies are well-regulated, and if you ask them to leave you alone, they must. You should learn about your rights and be aware of what they are and are not allowed to do. If they are going over the line, you should contact the company you owe the money to. Any responsible creditor will be sure to take matters seriously. In any case, contacting the company you owe the money to directly is always the best option. You will then know where to send the funds to, and have confirmation that the debt is paid off. Having a debt free credit report is beneficial as well. You can actually get more money and credit loaned to you, because creditors trust that you pay your bills on time. Being debt free is an easy process, but you must make the first step.