Final answer:
The two primary options for consumers experiencing debilitating debt are examining ways to avoid and eliminate credit card debt and evaluating the costs and benefits of declaring personal bankruptcy.
Step-by-step explanation:
The two primary options for consumers experiencing debilitating debt are (A) examining ways to avoid and eliminate credit card debt and (B) evaluating the costs and benefits of declaring personal bankruptcy.
Option A involves understanding and implementing strategies to manage credit card debt, such as budgeting, reducing spending, negotiating with creditors, and seeking professional help if necessary. Option B involves evaluating the consequences of declaring personal bankruptcy, such as the impact on credit score, future borrowing ability, and potential loss of assets.