What to do before you choose.

Take time to understand your choices before signing up for a debt-relief program.

1. Make a simple debt list.

Write down what types of debt you have, about how much you owe, your minimum payments, and what you can afford each month. Keep account numbers and documents private until you know who needs them and why.

2. Compare your options.

Ask the companies you owe about payment help. Consider a nonprofit credit counselor. A qualified lawyer can help explain legal options when needed. Compare the costs and risks of each approach.

3. Get the details in writing.

Ask what the service costs, how long it may take, and what could go wrong. Read the agreement, cancellation rules, and any account fees. Ask how it could affect your credit, taxes, and debt collection. Do not rely on a promised result.