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How does debt relief affect my credit?

I have accumulated a lot of credit card debt in the past few years. I need to do something, to change course to solve this problem. I haven’t decided what to do. An important part of my decision is how does debt relief affect my credit?

Can My Spouse's Credit Card Issuer Place a Lien on Property We Own Jointly?

We have approximately $60,000 in credit card debt all in my spouse's name. Some accounts were opened in New Mexico where we were married. We now live in Colorado. I have some assets in my name only. We have a financed truck & home in both our names. Home has approximately $40K of equity. Can the credit card issuer pursue assets in my name only? Can they put a lien on the truck or hom...
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How will Freedom Debt Relief evaluate my income and assets?

Bill,thanks for being there. I've scanned most responses and my income range job status is very different. I have no taxable income. I was injured on the job on 01-2008. I collected T.D. benefits for 22 mo. The amount covered our card and loan debts. We own our home in a very small community and will retire here. We have a auto loan of $380.00 mo. 4yrs left. My card, loans are $14,000.00...
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I have a lot of debt, anywhere from $20-$25k. Where do I start?

I have a lot of debt, anywhere from 20-25k, I am currently unemployed and have a monthly income of 600. Where do i start? and how can this possibly work for someone who is unemployed. I thought about Bankruptcy but what is your opinion?

I owe more than $30,000 in credit card debt and I need community property and debt relief advice.

I owe over $30,000 in credit card debt and I need community property and debt relief advice. I have problems. Everything we own is in my wife's name. Can her property be in question?

I am struggling to keep up with my minimum monthly payments. I can't decide which is better Consumer Credit Counseling Services or Debt Settlement with Freedom Debt Relief.

I am struggling to keep up with my minimum monthly payments. Some of my cards are maxed out. I can't know I need to do something, but I can't decide which is better: Credit Counseling Services or Debt Settlement with Freedom Debt Relief. What's best?

Have you heard of a company named Rise Above Debt Relief - I am thinking about them for debt relief.

Have you heard of a company named Rise Above Debt Relief. I am thinking about them for debt relief.

My husband and I are about $30,000 dollars in debt - can you help us to get the ball rolling, and can you tell us if Franklin Debt Relief is a good option?

My husband and I are about $30,000 dollars in debt and contacted Franklin Debt Relief. We now have the money to pay off everything - all of it. can you help us to get the ball rolling, and can you tell us if Franklin Debt Relief is a good company?

Can I get debit consolidation or debit relief?