6 Steps to Freedom From Debt

Evaluate multiple debt relief programs

Different debt relief programs may work best under particular situations. In some cases, a combination of two or more programs could be more suitable for your debt goals. In other situations, the programs might work best if used individually.

The options under these programs may include debt consolidation, personal budgeting, debt settlement or negotiation, or bankruptcy (usually the last resort). Compare the right options in your situation in consultation with your credit counselor.