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There really isn’t a “one-size” fits all when it comes to solving debt issues. Debt management program might fit if you have high interest rates and are struggling with minimum payments and you haven’t gotten too far behind on your bills. Debt settlement might be an option if you’re more than 9 months behind in your bills, your creditors have charged off the accounts and debt collectors are knocking at your door. Bankruptcy might be an option if you’re so far in the hole that you can’t get out; however, do keep in mind that you’ll probably need a lawyer because it’s a complicated process. Also, according to MyFICO.com, credit counseling doesn’t affect your credit score, so it shouldn’t hurt your