When you’re in debt and not sure what to do, it’s easy to feel stressed. And that stress can actually mean that deciding how to tackle your debt becomes trickier.
With so many programs out there, how can you be sure you’ve found the right fit for your situation? This guide breaks it down in simple terms so you can match your problem to the right kind of help.
Match Help to Your Problem
The first step is figuring out what kind of debt issue you’re facing. And different problems call for different types of support.
Problem 1: You’re behind on bills, but still paying something
If you owe less than $10,000, credit counseling might be your best bet. Counselors can help you build a budget and plan for repayment — you might even be eligible for a debt management plan to help you stay on track. If your total unsecured debts exceed $10,000, it might be time to look into a trusted debt consolidation program.
Problem 2: You’re getting collection calls and letters
This is a sign that your debt has gone to collections. You may still be able to work with a credit counselor, but if the calls are constant and the balances are large, debt consolidation could offer faster relief and more structure.
Problem 3: You’ve received court notices or threats of wage garnishment
At this point, legal support is key. If you’re being sued, or your paycheck is getting dinged, it may be time to talk to a lawyer. A debt attorney can explain your rights and help you respond to legal action.
Find the Right Match for Your Needs
The right option depends on what you’re hoping to fix first.
If lower payments could be your breakthrough solution, debt consolidation may be your strongest option. Accredited Debt Relief’s program can combine your bills into one lower, monthly payment and help you get out of debt in as little as 24 to 48 months. It works especially well if you have high monthly payments across several credit cards or loans.
If creditors will not stop harassing you with calls, letters and emails, debt consolidation or a legal response may help. Credit counseling may also help reduce creditor contact, but mileage may vary depending upon the organization and their workload. If the calls are stressful and ongoing, your rights may have been violated — do your research, and learn how to assess contact going forward.
If you’ve been sued or face wage garnishment, a lawyer can help you take action. Don’t wait to get advice. The sooner you respond, the more options you may have.
Here’s a quick breakdown of the different kinds of support:
| Credit Counselors | Lawyers | Debt Consolidation Programs |
| Help with spending plans Offer debt management plans (DMPs) May reduce rates on some debts Usually nonprofit | Handle legal documents and lawsuits Help with bankruptcy, garnishments and judgments Defend your rights in court | Simplify repayment by combining debts into one lower payment Can cut eligible monthly payments by 40% or more Help people become debt-free in as little as 24–48 months |
| Best for people with smaller debts or who need help staying organized | Best for people being sued or needing legal protection | Best for people who have unsecured debts totaling over $10,000 and who struggle to afford their current payment plan(s) |
| Look for help at the National Foundation for Credit Counseling | Find a lawyer through the American Bar Association | Get a free custom savings estimate through Accredited Debt Relief |
Choosing the best debt solution for your situation is a big step, but it doesn’t have to be confusing. Once you match your problem and your goal with the right kind of help, the next step will feel much more doable. And if consolidation is the best fit for your needs, the right plan can offer real savings, support and relief.