Find that you're just not making progress on your debt, no matter how hard you try? If that's the case, you might be facing overwhelming debt.

To break free of this financial burden, look into your debt relief options. These tools can change the terms or amount of your debt so you can get back on your feet more quickly.

But debt-relief programs are not the right solution for everyone, and it’s important to understand what the consequences might be.

Debt relief could involve wiping the debt out altogether in bankruptcy; getting changes in your interest rate or payment schedule to lower your payments; or persuading creditors to agree to accept less than the full amount owed.