 TITLE: Debt Relief: An Essential Guide CONTENT: How Debt Relief May Help You\n----------------------------\nDepending on the type of debt relief you choose, there are many potential advantages of using these methods to become debt-free:\n*   With debt consolidation and a debt management plan, for instance, you could potentially get a lower interest rate, which can save you money on interest charges and also allow you to pay off your debt sooner because of the lower overall cost.\n*   Bankruptcy can also potentially get you out of debt without requiring you to pay the full amount of what you owe. And with Chapter 7 bankruptcy, you could even start rebuilding your credit history and financial life with a clean slate free of debt within just a few months.\nDepending on your situation, the actual results of debt relief can vary. But they may be better than the circumstances you currently find yourself in. END