(1) Consolidation is one of the main types of Debt Relief Program for both loans and bills. If you consolidate your debt, you will have lower interest rates, one monthly payment that is lower than your previous total monthly payments, and reduced or waived late fees.
(2) If you have many credit cards then Debt Relief Program is good for you as Debt Relief Program. With this type will have only one monthly payment, a smaller outstanding balance, and reduced or waived late fees.
(3) Can file bankruptcy which will probably never be able to take out a loan again, and you will always be considered to have bad credit.
(4) Things you can do on your own to get out of debt include saving money when you can. When going short distances, walk instead of driving to save gas.
Turn off the lights and electronic devices when not using them to save on utilities. If you make small changes like this, you will have more money to spend on bills.