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

I see alot of a assign conversing as well as debt converging ads upon tv as well as a internet, though to me it seems these ads usually aim people who hit been past due, in collections as well as hit creditors job them. None of which is a box for me. we hit never been late profitable bills, nor do we hit some intense outlines upon my credit. All we hit essentially is as well most debt, as well as I’m perplexing to fall as well as get absolved of it! Can some one suggest some info?