 TITLE: Is It Better to Pay Off Debt or Settle It? CONTENT: How to Get Extra Help With Debt\n-------------------------------\nDebt payoff can seem overwhelming and complicated, but there are many resources that can guide you. A good place to start is, again, a nonprofit credit counseling agency, where you can receive a free initial consultation and get help with budgeting and debt reduction strategies. If you're not only dealing with debt collectors but you're also involved in a lawsuit related to your debt, a lawyer experienced with consumer debt issues is the best person to work with; you can find free local legal assistance through the Legal Services Corporation's search tool.\nIf you're feeling burdened by debt and you're unable to pay for basic needs, call 211 to connect with services in your area that may offer rent, mortgage, utility or medical bill assistance. Other types of financial assistance may be available from the federal or state government, and you can take a look at the programs you qualify for at Benefits.gov.\nDon't forget to engage with organizations that work with specific populations you might be a part of, such as Military OneSource, which serves military families and offers financial and legal resources. END