Debt Relief: Options for Managing and Reducing Debt Burdens

Filing bankruptcy costs $338 for Chapter 7 or $313 for Chapter 13 in court fees, plus attorney and course costs. See the full price and how to file for less.

What happens during debt settlement? Accounts can still be closed, charged off or sold to collections while you negotiate. Learn how to protect your credit.

Learn how to read a debt settlement letter: verify the creditor, settlement amount and payment deadline, spot red flags and get the agreement in writing.

You can leave a debt management plan anytime since it isn't legally binding, but you'll lose your negotiated rates. See the consequences and alternatives.