When signing up for a credit counseling it can help you consolidate your debt. Credit counseling also know as a debt management plan, can help lower your interest rates and monthly payments. Your role in credit counseling would be to pay one payment to the counseling agency, which then is distributed to your creditors. Remember, with this solution you are still paying the debt in full, you are just working towards lower monthly payments from lowered interest rates.

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Debt settlement is often referred to as debt negotiation. In essence, you are resolving your total debt amount for a discount; in some cases can be up to 75% less then what you initially owed. These programs typically run 6 months to 2 years. During this time you are not paying your creditor, which means your credit score is damaged but will help improve your debt to income ratio when all the debt is settled in full. Debt settlement is best if you have a large amount of debt and notice making only minimum payments is not reducing your principal balance.

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A Debt Consolidation loan essentially means you are taking a second home loan or refinancing your primary mortgage. By opting for a debt consolidation loan, you are exchanging one loan for another. The good thing about consolidating credit card or unsecured debt into a mortgage is that more often than not mortgage interest is less costly and tax deductable, lowering the overall debt cost. This option is good for homeowners with good credit. By consolidate your credit card debt into your home loan you are essentially taking unsecured debt and making it secured. The risk to doing this is that you may end up losing your home if you ever default on a payment.

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Although bankruptcy is typically the last resort when in debt, it can in fact solve your financial burden. There are two types of bankruptcy. Chapter 7 is more traditional, basically it liquidates your assets and liabilities, and you pay nothing on your debt. Although this sounds great, it can put you at risk of having your house, car, or any other belongings taken from you by the bank. Chapter 13 bankruptcy, on the contrary, gives you five years to pay off your debt with 0% interest.

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Evaluate if modifying your mortgage payments can help you avoid foreclosure.

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Learn your options on how to pay off back owed taxes.

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Remove negative terms to increase your credit score.

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Protect yourself from identity theft.

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Receive legal counseling at a low monthly rate.

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