Which action is advisable if someone is experiencing high debt levels?

The advisable action when someone is experiencing high debt levels is to seek a mortgage modification. This approach can provide relief by adjusting the terms of a mortgage, which can result in lower monthly payments or reduced interest rates. By making the mortgage payments more manageable, individuals can free up cash flow to address other debts and improve their overall financial situation.

A mortgage modification can be particularly beneficial for individuals who are struggling to keep up with their payments but want to retain their home. It allows for a structured way to manage debt while potentially preventing foreclosure and stabilizing the individual's financial and living situation. Overall, tackling high debt levels through a mortgage modification is a proactive step that can lead to long-term financial health.

Other options like ignoring the problem or increasing credit card utilization would likely exacerbate the financial situation. Opening new lines of credit may provide temporary relief but can further complicate debt management and lead to increased financial obligations. Thus, seeking a mortgage modification aligns with the goal of reducing overall debt burdens while maintaining stable housing.