As someone struggling with debt, you have many options available to you to address your current financial situation. Since every situation is different, and many factors must be considered such as your current income, the amount of debt, your current credit score, the seriousness of the delinquency of your accounts, tax consequences and even the state in which you reside, it is impossible to recommend a specific debt relief option without first considering all of these factors. As with all options you may be considering, each has positive and negative factors you should consider before making a decision on which program is best for you. Below, we summarize some of the options that may be available to you and outline some of the pros and cons for you to consider.

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