Like so many other American consumers you found yourself facing debt collection letters and threatening or harassing phone calls from creditors wanting the money you owe but just don't have.
You finally broke down and sought out professional help in the form of relief.
This is not the end of your involvement; there is more to debt relief than just paying some bills.
Maybe you are one of the lucky ones and your form of debt relief is just the need for advice.
You might just need to know how to create and follow a stricter budget, or make some small financial adjustments, or hints on how to negotiate with your creditors.
There are many others that need a little more in-depth help with a relief program.
They will need to consider a professional debt solution such as debt consolidation or a debt management plan.
Of course these are not your only options for debt relief but they are the most popular at the current time.
You will need to identify your debts and then choose a plan to work with for relief.
If you decide on debt consolidation you will still have to make a payment.
Of course the interest fees will be fixed and less than you owed before.
It is still a payment and must be paid in a timely fashion to help you achieve debt relief and sooner rather than later financial freedom.
If you consider debt settlement as your relief option you will have to make payments as well.
As a relief solution you probably had a professional negotiate with your creditors to pay less than what you actually owed.
But you will have to pay the remainder as payments.
Of course you will be closer to having your debt paid since you won't owe as much.
You need to choose the best method of financial relief to reach a quick and permanent resolution to your debt.
Because there are so many debt relief options, carefully choose the right one for you and your needs.