Credit problems can happen to anyone, and there are many American families out there struggling with debts and bills they cannot pay, damaged credit and harassing phone calls from debt collectors. If you are facing debt problems, you do have options. Debt settlement would allow you to make a deal with your creditors and to pay less than what you owe. Debt consolidation allows you to combine all your debts so that you can make one manageable payment. Another possibility is bankruptcy, a last resort that may allow you to wipe the slate clean if you really cannot manage your debts in any other manner.
Make an informed choice on how to best handle your debt by reviewing the articles and answers to frequently asked questions in this section.