You can't spend your way out of debt.
There are all kinds of packages, services and products that are (supposedly) offered to help you get out of debt. Often, those offering these services will for allow monthly payments (i.e. another debt) as payment for these services.
How does the debt snowball work?
The basic idea of the debt snowball is simple.
1) Determine how much you can pay on your debts per month. If this amount is enough to pay at least the minimum amount due on all of your debts, we can proceed. If not, you'll need some professional advice before continuing.
2) Pay the minimum amount due on each of your debts.
3) Apply any money left over from the amount you budgeted to pay on your debts to the smallest account that you owe.
4) If you pay all minimums, pay off your smallest debt, and still have money left, apply this to the next smallest account until all of the money that you budgeted has been applied to your debts.
The current state of US Bankruptcy Law.
Since the congress updated the bankruptcy law, fewer people qualify for Chapter 7 bankruptcy. In addition, the minimum payment on revolving credit now faces mandated increases.