There are countless blogs, articles, tips, and books about how to get out of debt. The best way to avoid never-ending pressure from creditors to repay overdue bills is to not let the bills become overdue in the first place -- or better yet, to avoid getting into debt at all. You should be taking preventative steps to avoid debt. Pay with cash whenever possible. Stay within your spending limits. Avoid impulse purchases. Avoid "buy now, pay later", "interest-free financing"...