Debt Help Options

Credit Counseling

Credit counseling from a trusted nonprofit like Take Charge America can help you develop a realistic budget and evaluate all of your options to manage credit card debt and get out of debt. We provide clear and unbiased information so you can make the decision that is best for you. Below are options for managing credit and getting out of debt.

Debt Management

A debt management plan helps you manage your credit card debt, reduce your interest charges and pay off your balances faster. Once you enroll in a debt management plan, our certified credit counselors will work on your behalf to:

  • Reduce your interest rates to a lower fixed rate
  • Lower your monthly payments
  • Stop collection calls from your creditors
  • Stop late and over-limit fees
  • Bring your accounts current

We will provide you with an estimate of your potential savings after you complete your free credit counseling session online or over the phone. A debt management plan can offer great savings, but it is not an option for everyone.

Do It Yourself

You may be able to get yourself out of credit card debt by negotiating with each of your creditors and setting up automated payments. You must also develop a workable budget and have the discipline to follow it. During this payoff time, you should not open any new credit.


This is a legal process that can help you repay or discharge debts under the protection of the federal bankruptcy court. You can learn more about the bankruptcy process and its potential implications in our bankruptcy FAQs. We offer the online educational courses required by the federal government to complete your filing.

Debt Settlement

Debt settlement involves paying only a portion of the total balance due, and typically is not an option unless an account is more than 90 days past due. Settling a debt rather than paying in full can have a further negative effect on your credit. Additionally, you may be responsible for paying taxes on the settled amount.

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