Which debt relief options can lower your monthly payments immediately?

Struggling to keep up with debt? These options could shrink your monthly payments starting almost immediately.

What are your options if you can't afford debt relief payments?

Falling behind on debt relief payments doesn't mean you've failed. It means you need to come up with a new plan.
U.S. News & World Report

IMF Highlights Advances, Complexities in Sovereign Debt Restructuring

(Reuters) -The legal framework surrounding private-sector-owned sovereign debt has proven largely effective, especially for bonded debt, but gaps remain for loans and collateralized debt and ...
JD Supra

Guidance for Sovereigns, Private Bond Creditors and Multilaterals: IMF Maps Weaknesses in Today’s Restructuring Architecture

In October 2025 the IMF released the 2025 Debt Stocktaking Policy Paper. This represents the first comprehensive review of documentation relating to international sovereign restructurings since 2020.
World Bank

Radical Debt Transparency Report

The Radical Debt Transparency report—an update to 2021’s Debt Transparency in Developing Countries—shows that despite significant improvements in recent years, major debt transparency deficiencies ...
International Monetary Fund

Restructuring Sovereign Domestic Debt in Developing Countries

Amid rising domestic sovereign debt overhang in some emerging and developing economies (EMDEs), this paper underscores the importance of effective domestic sovereign debt restructuring (DDR) ...