Steve Rhode published a very helpful article in the Huffington Post earlier this month. He offers advice on how to best manage your debt without getting scammed in the process. Selecting the right debt-relief option and debt-relief provider for you is going to be one of the most important things you do in your life. You owe it to yourself to spend some time and follow this guide, step-by-step.

Step 1: Homework- To make sure you are first armed with a general understanding of all of your debt-relief options I’d suggest you first read “How to Get Out of Debt: The Honest and Unvarnished Truth” and “The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy.”
Step 2: Check Out All Options- Use the free How to Get Out of Debt Calculator to review your options. The calculator will give you a rough idea of the pros and cons of each major solution.
Step 3: Tip Toe Contacts- Start contacting a few debt-relief companies that provide the solution you believe is right for you based on what you learned above. Talk to at least three.

Read the original Huffington Post Article.