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Many of these options work hand in hand or as part of a larger debt reduction program, but in general, these are your choices: Debt Settlement: Settlement is the process of negotiating with your creditors in hopes of reducing the total amount of debt that you owe them.


Late payments, medical bills and personal emergencies can all add to a mounting amount of debt.

The goal of consolidation is to have a lower payment at a lower interest rate than you currently have.

Debt Management Program: These programs often work hand-in-hand with credit counseling programs.

The first thing to determine is if your debt is secured or unsecured.


Secured debt is a type of debt that is secured by collateral, which includes things like your mortgage and car loan.

According to Cambridge Credit Corp., a nonprofit credit-counseling agency, 70 percent of Americans who take out consolidation loans end up with the same or more debt after two years.


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