Does that title seem all jumbled up to you? It is, and that’s how it can feel if you’re trapped under a mountain of debt with no help in sight. He’ll be yelling “consolidation card consumer credit debt help” at the top of his lungs and you’ll have no idea what he means because it just won’t work out. There is an answer and debt help is just around the corner. Here are your options.

If you have good credit or own a home, you can apply for a loan and consolidate your debts. This is the absolute best option because you will get the lowest rate and you will be able to get your debts under control pretty quickly.

The second option is to use a debt service. This could be a non-profit service or a service looking to make a profit. Both will negotiate with your creditors and try to reduce rates, fees, payments, and balances so you can get out of debt faster. Typically, the nonprofit service will require credit counseling, and this can be an added benefit.

Another option is to hire a credit card with a very high limit and a low rate. This can work if done correctly, but you have to be careful not to get an introductory fee. You need your rate to be fixed and never change. You are looking at a rate of around 7% or less.

The last option is to contact your pastor or priest. Many times they have someone in their congregation who has volunteered to help other parishioners who have fallen into debt. They are usually accountants or financial advisers and can help you. They will work with you to get you out of debt and help you stay out of debt.

Regardless of how you do to get out of debt, it must be made a priority. Don’t get stuck filing bankruptcy and waiting your whole life for better credit.