When a national economy takes a substantial downturn, manageable debt becomes unmanageable and unwanted. The author, a commercial litigation attorney, graduate of Harvard Law School, explains how debtors can get rid of (or substantially reduce) four types of unwanted debt: (1) residential mortgages; (2) credit card debt; (3) student loans (when bankruptcy is not available); and (4) IRS debt (usually for unpaid income or withholding taxes). The author provides forms for pro se use or, more appropriately, for use by the debtor's attorney, making it less costly for the debtor to obtain professional help anywhere in the United States.