Using the Debt-snowball method to get debt relief.
The debt-snowball method of debt repayment is a form of debt management that is most often applied to repaying revolving credit such as credit cards. This method is the primary debt-reduction method taught by Dave Ramsey.
The basic steps in the debt snowball:

1. List all debts in ascending order from smallest balance to largest.
2. Commit to pay the minimum payment on every debt.
3. Determine how much extra can be applied towards the smallest debt.
4. Pay the minimum payment plus the extra amount towards that smallest debt until it is paid off.
5. Then, add the old minimum payment from the first debt to the extra amount, and apply the new sum to the second smallest debt.
6. Repeat until all debts are paid in full.

In theory, by the time the final debts are reached, the snowball will be "rolling" quickly as it has picked up a lot of financial mass. Hence, larger debts will be paid off faster.
All retirement contributions are to be halted during the debt snowball, thus freeing up more money to pay down the debt snowball. Many dispute this practice, citing the cost of compounding interest to be greater than the gains of paying off debt. Some comprimise by reducing retirement contributions to only what a company will match with an employee. Ramsey teaches that this halting of retirement contributions should last no more than two years.
A first home mortgage is not generally included in the debt snowball, but is instead paid off as part of one's larger financial plan.