If you are enrolled in a debt relief program, I bet your main focus is getting out of debt.
It should be, but if you are in your mid-40s or 50s, retirement might be a concern of yours.
So how should you plan for and prepare for retirement when you are in the mist of getting out of debt?

• Do Not Borrow From Your Retirement Accounts: Hopefully, this is a mistake that you haven't made already.
  Yes, it is very important to get out of debt.
  You want and need to seek debt relief before you drive yourself crazy or before you retire.
  With that said, you likely still have a few years to get out of debt.
  What you don't want to do is ruin what you have worked so hard for over the years (that would be saving money for retirement).
  They two aren't a good trade-off.
  Yes, you'll get out debt quicker but now you don't have enough money to retire at your desired age.
  Who wants to work until they are 80?
• Do Not Spend Money on Unnecessary Purchases: If you enrolled in a debt relief program, there is a good chance that your representative stressed this point.
  You'll never get out of debt if you keep spending more money.
  It will also take you forever to get out of debt if you can only pay a little bit at a time.
  That is why all debt-ridden Americans are encouraged to track their spending to see where their money goes and then cutout or at least reduce the "unnecessary things.
  " You really need to do this.
  Not only are you trying to get out of debt, but you are also trying to save money for retirement.
  Spending money like you are rich (when you aren't) and these two things don't go well together.
  
• Do Not Settle on One or the Other: Lets say that you are in your 30s; it might not be 20 or even 30 more years before you retire.
  If you were always contributing to your retirement account through automatic payroll deductions, go ahead and keep doing so.
  You have plenty of time.
  If you are getting close to retirement keep limiting your purchases, but focus on both debt and retirement.
  You can't retire if you are in debt and you can't retire if you don't have money saved.
  Don't stop contributing to your 401k to put money towards your debt relief quest.
  It will be hard, but try to focus on both at the same time.
  

In short, debt and debt relief is an issue that we are alto familiar with.
However, if you are nearing retirement and haven't planned as good as you should have financially, it might be a major concern of yours.
Be sure to not make any drastic changes without first speaking to a debt relief expert or a financial advisor.