In America today, many people are facing problems with credit card debt. Some of us get a credit card and instantly start overspending because we can pay it off later. Others just frivolously spend, buying things they don’t need. All in all, it just leads to debt problems.

So what do you do when you hit rock-bottom debt? You need to climb your way out of the hole you made, and there’s a few ways to go about it. You can do it yourself, or work with a credit counselor. Some people just need a little credit counseling to start paying off their debt. An agency known for their credit counseling is Consolidated Credit.

Consolidated Credit put together the graphic below to illustrate the many ways you can conquer debt. There’s multiple ways to go about it, from calling your creditors to declaring bankruptcy. That last one however is more of a last resort. You may be better off trying the other options first.