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Getting out of debt is much easier if you understand your options. You can choose to consolidate your debt, get a company to help negotiate down your balances, work with a credit counselor to get you on a budget or learn on your own and do-it-yourself.

It is to do the research before you jump into any type of debt relief plan. You may be able to do it on your own by just working on a tight budget and slowly paying down you balances. Or you may need professional help to avoid bankruptcy.

Browse our debt blog and our debt help forums to get free advice that may help you to decide what option you would like to take.