That basically depends upon your financial situation.

What is the best way to choose the debt payoff strategy?

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That basically depends upon your financial situation. Some people will say that the best debt payoff strategy is debt snowball or avalance method. Others may suggest you to go for debt settlement or management wherein you've less responsibility. 

If you feel that you can't tackle negotiations, then work with a good debt relief company. If you don't have financial means to repay debts, then go for bankruptcy. 


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