Chapter 1: Understanding your debtAre your bills keeping you up at night? Make a change by facing your debt head on.Debt load analyzerGood debt vs. bad debtTop 10 causes of debtChapter 2: Using home equity to consolidate debtHome equity loans can be a good way to organize your debts, and the interest is generally tax deductible.Refinance vs. home equity loansUnderstanding cash-out refinanceLower payments and a tax breakDownside of home equity loansHome equity loan vs. line of creditChapter 3: Reorganizing finances to zap debtsExplore all your assets to come up with a game plan for ending the uncomfortable debt spiral.Organize credit card debtRefinance your auto loanTapping your retirement accountBorrowing from family or friendsChapter 4: When to seek professional debt helpAre you drowning in debt? Perhaps it's time to call in the debt experts for some guidance.15 signs of serious debt troubleHow to choose a debt counselor12 questions to ask a potential credit counselorFAQ about debt and credit counseling10 debt-consolidation mythsHow debt management plans affect your creditChapter 5: The bankruptcy optionBefore you toss your debts in the bankruptcy ring, understand the ramifications.What is bankruptcy?5 most common types of bankruptcyAre you a candidate for bankruptcy?12 myths about bankruptcyLife after bankruptcy10 ways to bounce back from bankruptcy advertisementRelated Links:The true cost of debt settlementFoil 6 common consumer credit complaintsIs wife liable for deceased husband's debt?Related Articles:3 rules for debt managementDebt depression recoveryWhen second mortgage fails
Bankrate wants to hear from you and encourages thoughtful and constructive comments. We ask that you stay focused on the story topic, respect other people's opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts. Comments are not reviewed before they are posted. Bankrate reserves the right (but is not obligated) to edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. We do not permit the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink.
Get advice for managing credit cards, building your credit history and improving your credit score. Delivered weekly.
Dear Debt Adviser, I have about $12,000 in credit card debt. I am about to lose my job, and I have no idea how I will continue to pay my creditors. Meanwhile, my husband has an extreme amount of debt in his own name. How... Read more