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Getting Personal: The best way to get out of debt

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The best way out of debt is to budget your spending with a tool that integrates and balances the budget with credit card spending. 3D Budget personal budgeting software has a unique reconciliation functionality that balances your budget and highlights overlooked expenses. (http://www.3dbudget.com)

Interested in hearing about "safe credit reporting agencies" - who's legit and who's not(see alot of adds offering free credit reports). How to get out of a auto collateral loan that is over 10 years old and continues to sell it to collection agency after collection agcy. I can't figure out who actually is the current one and what are the statutes of limitations on collecting the debt? They already have reported it as "un-collectable"....

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