The most common debt relief options are: debt consolidation loans, debt management plans or credit counseling, and debt settlement. You may also want to consider home refinance or a home equity loan. Typically, if you have good credit and equity accumulated in your home you should consolidate with a home refinance loan. If you are in financial hardship and have impaired credit, then debt settlment may be right for you. You can also review the information found at: Consolidate My Debt on Bills.com.