Telemarketers that claim to get you out of debt in three minutes are obviously scammers that are trying to make a buck. Anyone that tells you they can help you get out of debt and charge you are fee are basically a source of scammers. 

The best solution then for getting out of debt is learning to rely on your self. Repairing credit has its good and bad essentials. The basic rule of thumb is to search a way that works best for your situation. Today we are going to take a look at some of the good basics in credit repair. 

If you are in debt and own a home you probably have insurance coverage. If so you might be able to take an advance payment against your insurance. Life Insurance Coverage may offer a payback solution after you have paid in on the plan for a length of time. 

It might be wise to check out your policy to see if there is some type of disbursement plan available. If you are able to get a lump sum be sure to payoff your debts rather than spending your money freely. You may even want to check into your Home Mortgage agreement and the insurance coverage available. 

If you are suffering debt problems related to injuries or even suffer a Terminal Illness some policies will make payments on your mortgage until you are back on your feet again. If you are off work due to unemployed as no result of your own then you may be qualified on your insurance policy a coverage that makes your payments until you are back at work.