In this debt-ridden society, many people are in severe financial difficulties. While bankruptcy is the last step in a long road of financial pressures for many, others opt for this solution too early, sometimes without considering suitable bankruptcy alternatives.
There are several options available for you if you are in debt and do not wish to declare bankruptcy.
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The most sought-after option is obtaining a personal debt-consolidation loan and closing all existing credit lines. Debt consolidation is where you take a new unsecured loan and use the funds to pay off your outstanding debts.