Get Out Of Debt 101

If you have been paying your bills on time and have a good credit record (and want to keep it in good standing), and you are working or have a monthly income, then you can follow the plan outlined in Part 2. Credit Counseling or Debt Settlement will not be a good choice for you. If your accounts are past due and you cannot make the payments, then Credit Counseling (also commonly known as Debt Management or Debt Consolidation) or Debt Settlement might be a good choice for you. You can go to Part 3 for more information on these services. It’s important to note that there is no magic bullet that will work for every debt situation. But keep in mind that in many cases, money problems are NOT the result of financial issues but rather a result of how we think.