Tired of maxed-out credit cards and furious creditors threatening to sue? Is your job just enough to make two ends meet and the interest rates are constantly piling up on your head? Then debt relief programs are just the answer to all your woes. A debt relief program will help you manage your debt and give you the best financial situation to navigate through it. Here are the four top options for the same:

Debt consolidation loan
There are plenty of options available in the market for secured and unsecured debt consolidation loans. You may take a loan and pay off all your debts in one go!

Balance transfers
This is mainly for credit card holders but may come in very handy as a debt relief program. If you are currently in possession of a high-interest credit card, then you may get one with a 0% balance transfer fee or at least procure one that has a lower rate of interest, thereby giving you enough time to clear off your pending settlements.

Debt management plans
Although you may choose to create a management plan on your own, it is highly advisable to approach a credit counseling agency.

Debt negotiation
This option is highly based on your luck and the choice of your lender. Under this program, you would need to pay a lump sum amount equating to less than the money you owe and clear off your dues instead of transferring money from one creditor to another.

The last type in our list of debt relief programs is filing for bankruptcy, which may be undertaken in extreme circumstances. While you may have your own apprehension about the reliability of debt relief programs, experts suggest that if you pick your option wisely, they may work for you. If you do not put in any research, then you will end up losing more money and maybe fall deeper into debt. In fact, options like balance transfer or debt consolidation end up doing more good for you and even help you improve your credit score. So, all you need to get out of your financial woes is a good debt relief program.