The first step towards debt free life is to access your problem, its intensity and urgency. Problems that deal with small amounts can be solved at your own, by working few extra hours and may not require any expert help.
Secondly, bring a change in your behavior if you have a habit of over spending. Plan your budget before you go out for shopping, and try and keep your expenditure under your budget. These small savings can eventually help you have a reasonable bank balance. Inculcate the habit of saving in your behavior. Thirdly, prioritize your debts. Try to clear the debt with highest interest first while making minimal payments towards others. Fourthly, once the highest priority debt is paid, use that amount towards the next debt on the list. Make short term targets for your amounts. The extra money that you use after clearing the first debt is called the accelerator margin, and this accelerator margin keeps on increasing with each debt that you clear. Fifth step should be to avoid accumulation of debt as far as possible. Every month when you get your pay checks, keep aside some money for the debts, household expenses, bills, car installment etc. also try and deposit some amount in a separate savings account. The amount from this account should not be withdrawn until very necessary. Always remember that no debt can be paid, and neither can you experience a debt free life until and unless you plan for it. And to plan for paying of big debts the advice from an expert is always a good idea.