Are there any programs that help people who don't have bad credit get out of debt faster?

I wager alot of a credit conversing as substantially as debt converging ads upon tv as substantially as a internet, though to me it seems these ads usually aim people who hit been time due, in collections as substantially as hit creditors employ them. None of which is a incase for me. we hit never been late profitable bills, nor do we hit some bad outlines upon my credit. All we hit essentially is as substantially most debt, as substantially as I’m unclear to precipitate as substantially as get cleared of it! Can some digit declare some info?