If you’re in debt, then it does without saying that you’re probably pretty stressed out. You’re probably wondering what you can possibly do to get out of the situation that you’re in. You might even be worried about not being able to handle everything on your plate, and that’s okay. You don’t have to handle everything on your plate at once. You just need to prioritize and then attack the problem in pieces. Everything can be overcome with time and patience, and your debt problems are no exception.

When you’re in debt, you might not want to actually look at your debt by the numbers, but that’s really what you have to do. It can even be a pretty emotional process as you have to dig through all of your bills, everything that you owe someone else. But it’s necessary in order to really know not only how much you owe, but who you owe it to. Sometimes when the debts pile up and switch hands through debt purchases, it can be even more stressful. We start thinking that there’s really no way that we could ever get out of debt, but that’s just negative self talk that’s going to push you further away from your goal.

If you need a word, here it is: options. You need to just stop and look at your main options.

If you don’t have a lot of debt, we can tell you that bankruptcy really isn’t your best option. For one, the hit to your credit is so long lasting that you won’t be able to really achieve any of the goals that you have on the table, like buying a house or even a new car. Unless your debt problems are caused by medical bills, we definitely suggest avoiding bankruptcy if you can really help it.

That leaves debt settlement and debt consolidation. These are good options for people that have small to moderate amounts of debt that want to clear it up as fast as possible. You don’t have to be super rich to take this option either — as long as you have regular income you are going to be able to take care of your debt over time and get it paid off.

Does that mean that you need to call up Chase Bank and start making demands? Definitely not. For one, the credit card companies really have no incentive to make a deal with you if you’re just on your own. IF you are really thinking about debt settlement or even just debt consolidation, you really do need to get an advocate on your side. You need someone that ahs done the negotiation process a thousand times and thus are not afraid to get dirty if that’s what it takes to win the negotiation round. You need someone that isn’t afraid to ask tough questions or to remain firm. You shouldn’t beat yourself up if you’re really not as good of a negotiator as the pros. Remember that you don’t work with the credit card companies day in and day out, but the best debt consolidation experts do all of the time.

Debt consolidation brings a lower interest rate, which means that you will have a lower monthly payment. This means that you will have better chances of actually paying your debts on time. This in turn improves your credit score; because you’re actually paying your accounts rather than just assuming that you have no way of actually taking care of the problem. That’s a hard pill to swallow and we suggest that you try to avoid it as much as possible — getting help with your debt is much better than just assuming that you have no recourse at all.

In order to pursue debt consolidation, you are going to have to let someone else look at all of your debts in order to come up with a battle plan. It’s very important that you’re as honest as possible. If you hide debts or mess with the numbers, you will essentially be giving your debt specialist an uphill battle when it comes to getting your needs handled properly. Anything that the credit card companies can use to stall, they definitely will. There’s no reason that you should have to put up with that, so make sure that you give the right information the first time.

Is it a tough road to travel? Definitely — debt puts a lot of stress on you and your family but you don’t have to walk down the road to a debt-free life on your own — why not pursue professional debt consolidation today?