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