If you are struggling to pay off your debts or if you are in the process of getting out of bankruptcy, you need to find the right debt relief solutions. There are a number of debt relief solutions that are available out there. Make sure that you find the right one that will answer all your needs. A credit counseling program is available for those who want to be able to pay for their debts with a minimal monthly payment and lower interest rates. Determine which type of debt relief solution will work best for you.