Even if the world economy is said to be getting out of depression these days, a lot of people are still deeply buried in debt obtained during those needy times. If you are a resident of Ohio you can hire a Cincinnati criminal defense lawyer to defend you from your creditors or file for Cincinnati debt relief. But the primary choice may bury you deeper in debt since lawyers do not most often work for free, and in the second option your credit score might drop some more. In most cases, however, one or the other option may be viable. But, there is a third option: An unpalatable pill, yes, but effective in the long term: climb your means out. You would state that you have tried it and it was not successful, or you simply cannot discern a way out, your expenses just equals your earnings so there is no extra to pay loans. Do not lose heart; you have not tried everything.