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2. Alternatives to debt relief - AOL

   www.aol.com/finance/alternatives-debt-relief...

   Struggling to handle debt. If your debt keeps growing after exhausting all of your options, debt relief companies may be able to settle your debt for less than what you originally owed. Can’t ...

3. Debt consolidation without a loan: Here’s how to do it

   www.aol.com/finance/alternatives-debt...

   A debt consolidation loan can simplify debt repayment and even help you save money in the long run. But for it to be effective, you must identify and address the financial habits that led to the ...

4. How to get debt relief - AOL

   www.aol.com/finance/where-debt-relief-help...

   If you have over $7,500 worth of unsecured debt and your credit is in bad shape, then seeking a program through a good debt relief company may be your best option.

5. Legal aid in the United States - Wikipedia

   en.wikipedia.org/wiki/Legal_aid_in_the_United_States

   Civil legal aid is not guaranteed under federal law, but is provided by a variety of public interest law firms and community legal clinics for free or at reduced cost. [1] Other forms of civil legal aid are available through federally-funded legal services, pro bono lawyers, and private volunteers. [1] [2]

6. How to consolidate debt without hurting your credit

   www.aol.com/finance/consolidate-debt-without...

   Other tools like debt management plans and bankruptcy can help you manage debt. ... Upfront costs: That personal loan or HELOC doesn’t come for free. You’ll have loan origination, application ...

7. Charge-off - Wikipedia

   en.wikipedia.org/wiki/Charge-off

   The purpose of making such a declaration is to help support a tax deduction for bad debts under Section 166 of the Internal Revenue Code. In that respect it is a form of write-off. Bad debts and even fraud are simply part of the cost of doing business. The charge-off, though, does not free the debtor of having to pay the debt.