If you are in debt and want some help, there may be debt help available for you out there.  In fact, it may not even cost you anything, if you go about it the right way.  There are even some debt consolidation services that don't charge you – you just may have to do some digging to find one.


There is no such thing as an unsolvable debt problem.  They seem, by their very nature, to be urgent, which is what makes you feel so vulnerable and overwhelmed, but there is debt help available.


As debt isn't just a finance issue, but one that feeds into all elements of your life, the solutions are wide and varied; whether it's cutting interest costs, budgeting, challenging the legality of your debts, or simply where to find real one-on-one free or inexpensive help.


Debt counseling for debt help involves negotiating with creditors and even bankruptcy. These are serious and even drastic measures, designed for those with limited alternatives.  Hopefully, you are not there yet, because the result is the debilitation of your credit score and less access to financial and some consumer products.


You may have had a good reason for getting into the debt you are in, or it may have been because your loved one went on manic spending sprees, causing great debt to both of you.  Yet however good or bad your reason, from now on it is irrelevant.  The most important thing you can do is get a disciplined handle on your spending from now on, with getting out of your current debt being your top priority, and getting the debt help you need.


If you're wondering how bad your debts are, as the old saying goes, size isn't everything. What counts is your debt in proportion to your ability to repay.  If your non-mortgage debts (usually credit cards and loans) are more than a year's salary after tax, then they're quite severe; after all, that means you'd need to work more than a year to repay them, even if you had no outgoings.


If this is the case, debt renegotiation might be your best source of debt help.  In this case, you can negotiate with your creditors to reduce your current debt.  In the case of credit cards, you would freeze your spending, and just work on the balance.  You might even be able to negotiate a lower interest rate, if your creditor is willing.


With your creditor, you negotiate a lower balance and an agreeable monthly payment against that balance.  You do this with each of your creditors.


Another method of debt help would be debt consolidation.  With this method, you would consolidate all your credit card debt into one monthly payment.  For example, if you have three credit cards with a balance of about $1,000 on each one, yet have a fourth card that has a zero balance but a maximum credit limit of $5,000, you could transfer the other three cards' balances onto the fourth card, leaving you only one payment to make each month.


These are the best methods of debt help for you.  However, if you choose, you can hire a debt solutions company to help you.  Should you choose to do this, however, make sure that you choose a reputable company, as many of them have hidden fees and costs, and they can end up hurting you more than helping you.