It’s no secret that Americans have been having trouble with consumer debt for years now. Want proof? Have a look at the bankruptcy filings in just about any jurisdiction and you’ll find there is no shortage of people who have let their debts rage out of control.

Here’s the thing about bankruptcy, however – it can ruin your credit for up to 10 years and all but the most impoverished debtors will wind up having to pay back at least a portion of their debts. There is, however, a very good alternative to bankruptcy – debt relief.

What is debt relief? Well, it comes in many forms. There are times when debt relief means simply negotiating payment schedules with creditors. There are still other times when it means taking out a credit loan that will keep the bill collectors at bay. The important thing about debt relief is to find a personalized plan put together by professionals that know what they are doing so that both you and your creditors come up with a plan that works out for everyone.

And, here’s something else about going the debt relief route – there are plenty of proven programs out there that will help you not only pay off your debts, but rebuild your credit rating in an acceptable amount of time.

Need some help with your debts? Click one of the links in your post for a start.