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How to handle any debt

The troubled economy is continuing to cause financial problems for many people. Add to that the fact that many people simply do not have experience managing their money, or the skills to do so, and the challenges are compounded. Worst of all, falling deeply in debt can leave people feeling helpless and desperate.

If you have debt you cannot repay, seek help by trying one or more of the options below. 1) Credit card debts:

If you cannot make minimum payments on your credit cards, you risk serious damage to your credit score, not to mention great stress. If you find yourself in this situation, for a first step, try calling your creditors to explain the situation and see if they will arrange a payment plan. If that fails, several options exist. The right one will depend on your individual situation.

A) Debt consolidation combines multiple debts into one larger loan with one monthly payment. Consumers pay back 100 percent of the debt, plus interest.

B) Debt management companies, also known as consumer credit counseling agencies, can lower credit card interest rates (not principal) with credit card banks. Often, consumers enter a debt management plan (DMP) that lasts up to five years. The agencies collect a monthly fee from consumers, as well as revenue from the credit card companies.

C) Debt settlement providers, also known as credit advocates, work on consumers' behalf to negotiate principal reductions on existing debts. Successful negotiations can obtain savings of as much as 50 percent of the total enrolled debt (before fees). The firms negotiate directly with creditors while the consumer accumulates funds for the settlement, or resolution, through a monthly program payment. Clients who stay with the program can fully resolve their debts in about two to four years.

D) Bankruptcy is generally considered a last resort, given its strong emotional and financial consequences. Those considering this option should discuss their situation with a bankruptcy attorney. Since the 2005 bankruptcy reform laws went into effect, bankruptcy is more difficult to obtain, and more expensive.

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Kiplinger's Personal Finance

Kiplinger's Personal Finance

Kiplinger's Personal Finance

Building contract dictionary

The World almanac & book of facts