Struggling to pay your bills? Today, more than three out of every four American families are in debt according to the Federal Reserve's Survey of Consumer Finances. A recent survey found that debt is a leading source of stress for Americans. Unfortunately, some people feel so overwhelmed by their debt that they don't know what to do and feel hopeless. The good news is that any debt problem can be solved. The key is to take control of your emotions and learn about the legitimate solutions that exist. In this book, Kevin Heupel discusses the popular ways to get out of debt: credit counseling, debt settlement, loan modifications, offers in compromise, student loans, and bankruptcy. Kevin Heupel explores the "pros" and "cons" of each solution and provides advice on how to improve a credit score after solving a debt problem. Kevin Heupel is a nationally recognized expert and attorney in the area of debt relief and has helped thousands of good people get out of debt. Kevin Heupel has been featured in USA Today's Legal Elite, CNBC, the Brian Tracy Show, and is a contributor on Money for Lunch Radio. If you, or you know someone, who is struggling to pay their bills, then read this book