6) Get a Credit Counselor 6 ）获得信贷顾问

Be careful when you consider using a credit counselor, as some of them will just take money from you without much or any service in return. 时一定要小心考虑使用信用卡辅导员，因为其中有些人只是将钱从你没有多少或任何服务的回报。

Basically, there are 2 types of credit counselors out there to help you, and they are for profit and "nonprofit". 基本上，有2个类型的信用卡有辅导员，以帮助您，而且利润和“非营利性” 。 They are both the same and do the same job and both will charge you with a fee. 他们都是相同的，做同样的工作都将收取您的费用。 Credit counselors can help you in trying to teach you how to control your debt. 信用顾问可以帮助您在试图教你如何控制你的债务。

I must however warn you that many people don’t completely comprehend all the implications involved in turning to them, such as: 但我必须警告你，许多人并不完全理解所有所涉转向他们，如：
How it will affect your credit rating. 它将如何影响您的信用评级。

The credit bureau will register that you put a plan in place. 在信用局登记，你把计划。
Are your payments too high? 是您的款项是否过高？

Your payments should be high enough to help you reduce your debt but not so high that you don’t have anything left over. 您的款项应足够高，可以帮助您降低您的债务，但没有这么高，你没有什么遗留下来。 If you do not have money left over at the end of the month to pay for anything else you might find that you end up defaulting on your payments. 如果你没有钱留下来在本月底来支付其他任何您可能会发现，你最终拖欠付款。

Many people agree that your repayment term should be between three to four years. 不少人都同意，您偿还长期应介于三到四年。 It is a condition in the new Bankruptcy Reform Bills that the term be between 3-5 years. 这是一个条件在新的破产改革法案，该术语是3-5年之间。 Any time longer than this is proven to have a failure rate which is very high, as people cannot see their debts ever being gone and just decide to skip it. 任何时间长于这是证明有失败率是非常高的，因为人们无法看到它们的债务以往任何时候都正在经历和公正的决定跳过。

7) Informal Agreements- Timely Payment Agreement. 7 ）非正式协议，及时支付协定。

In a few cases you can make a payment agreement with your creditors in order to set up a payment plan that will enable you to pay them back. 在少数情况下，您可以进行付款协议，您的债权人，以便建立一个付款计划，这将使你向他们支付了回来。 This will help safeguard your credit rating. 这将有助于保护您的信用评级。 This is a lot like getting a loan for debt consolidation except that you don’t borrow the money in order to pay them off. 这是一个很像获得贷款，债务合并，但你不借钱的钱，以支付它们赶走。

8) Informal Lump sum Agreement. 8 ）块煤总结非正式协定。

You might be able to pay less than 100 cents on the dollar if you choose to take this route. 您可以支付低于100美分，美元如果您选择采取这条路线。 For instance, you might be willing to pay a lump sum to the creditor of say 50% of the amount owed in order for the balance of the debt to be written off. 例如，您可能愿意支付一笔给债权人的说， 50 ％的欠款数额，以便平衡的债务将被注销。 This method is the best on to use if you have only a reduced amount of creditors. 这种方法是最佳的使用上，如果你只有数额减少的债权人。

Keep reading for more tips on how to recover from bankruptcy on our next page: Getting out of Debt 3 请阅读了解更多有关如何恢复破产对我们在下一个页面： 走出债务三