Obtaining debt relief does not have to be a difficult process.
While most people caught in these financial situations tend to turn towards debt consolidation, counseling and re-negotiating debt, there may be an easier and better solution available.
There is one major problem with the traditional debt relief options, and that is that these methods can destroy your credit, which can continue to make things worse.
Without good credit, everything will cost more and you could potentially face the same debt problems you are looking at today.
Using a credit counselor and re-negotiating your debt may not hurt your credit score directly.
In some cases it might even help your credit score, but there's something else that will happen that can damage your credit.
When you use these services and options, your creditors will place a note on your credit report stating that you sought the help of a credit counselor and used legal services in order to avoid paying your bills.
When your future creditors see that, they will not want to do business with you.
There are alternative ways to get out of debt and better debt relief options available to you.
The best being that you save up the money yourself to pay off your debt.
That, of course, is a lot easier said than done.
Another method is to find and apply for the myriad of debt grants that are available to individuals and families.
This is free money that never has to be paid back, and is available to those who need financial assistance.
Debt grants are offered by government agencies and non-profit organizations that do fundraising to help people facing a financial storm.