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Bankruptcy is a serious decision with long-lasting consequences. Before taking that step, explore these six alternatives.

United Debt Counselors is a debt relief company that helps customers resolve credit card and high-interest debts. Based in Plano, Texas, the company has over 1,000 field representatives in 19 states.

It offers credit and bankruptcy counseling as well as a debt management program. American Consumer Credit Counseling focuses on assisting customers with all forms of unsecured debt relief.

A debt management plan (DMP) is a type of repayment plan that's set up and managed by a non-profit credit counseling agency like ACCC. As part of ACCC's DMP, creditors may waive late and overlimit ...