If you have had a consultation regarding your debt, you now have a options for solving your debt dilemma. First, you can consolidate, which does not eliminate your debt, but it should make it easier for you to reduce your debt and finally pay it off. Second, you can liquidate assets. You can, for example, sell an expensive car and buy something more economical. Third, you can consider declaring bankruptcy. Bankruptcy should be your last option because it will continue to affect your credit for seven years. No matter what you choose, there is a debt solution that will help you.