Debt Relief: Options for Managing and Reducing Debt Burdens

Chapter 7 bankruptcy stays on your credit report up to 10 years and Chapter 13 about 7, from the filing date. See when it falls off and how to rebuild sooner.

A debt management plan typically costs up to $75 to set up plus $25 to $50 a month. See how DMP fees work, what drives cost, and how to avoid overpaying.

When you file bankruptcy, an automatic stay stops collections. Learn the step-by-step process, what happens to your property and debts, and the credit impact.

Most debt management plans take three to five years. See what affects your timeline, how to finish faster, and how a DMP compares to other options.