You can first contact your local priest or pastor for assistance with your debts. They will either have a volunteer in their church who can assist, or they will assist themselves. This is free, and they can assist you in creating a budget to pay off your debts.
The second option is to employ a debt consolidation service. These are non-profit and for-profit and will enable you to escape debt. Your fee will be comparable to what you would pay an attorney, and you will avoid the humiliation of having a bankruptcy on your record.
Third, you have the option of refinancing or obtaining a second mortgage. This is a great method for homeowners to consolidate their debts. You will be able to repay your debts and avoid filing for chapter 13 bankruptcy, which can and will negatively affect you for many years.
Chapter 13 bankruptcy is the final option, but it will only result in a court-ordered repayment plan. This is of little assistance because a credit counseling service can do the same thing for you and remove bankruptcy from your credit report. This is a last-ditch measure that should never be employed unless the situation is dire.""
" - https://www.affordablecebu.com/
