credit card debt and unsecured loan

A $45,000 debt can be solved by opting any of the following solutions: -

Self repayment plan - It is the best and cheapest debt solution available to you because you yourself can make your budget and settle debt with your creditors.

debt management program - A credit counseling company first gauges your financial condition and accordingly gives a monthly repayment plan to you and your debtors. It reduces your monthly payment amount by decreasing your late payment fees and the existing interest rates. As you payoff your debts, your credit score starts improving.

debt consolidation loan - It is a personal loan through which you can payoff your different debts at one go. Then you have to payoff this debt consolidation loan at a much lower rate of interest. Your credit score improves with loan repayment.

debt settlement - It can reduce your debt by 40 to 60 %. But it severely affects your credit score.

To know more on these debt solutions, please go through the following article: -

Debt Solutions - 3 steps and 5 ways to do it