There are many options to deal with debt, but if it sounds too good to be true—it probably is. Ask questions and shop around to avoid paying unnecessary fees.
Complete a realistic assessment of your debt.

Your finances could be better and you would like some help.
You have some debts and want tools and information on how to improve your financial situation.

Your finances are beginning to get out of control.
The situation is serious and you could use the help of a professional when considering your options.
It’s time to prioritize paying off your debts so you can build a better future for yourself.

Your finances and your future are in serious trouble.
You feel like you will never get your debts under control. Overwhelmed and stressed—you need support.
There's nothing wrong with getting help. Talk to a professional and get yourself back on track.