Non Profit Debt Consolidation
UPDATE: Due to COVID-19, please be advised that banks are offering account assistance for those individuals and families most impacted by the virus.
California's Trusted Name in Debt Relief
See If You Qualify 1-877-486-7142
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Which debt relief option saves you the most each month?
Find out today which debt option you qualify for and how much you could save!
  • $80,000 debt relief savings estimate 52 minutes ago in Fort Lee, VA
  • $40,000 debt relief savings estimate 3 hours ago in Fredericksburg, VA
  • $33,000 debt relief savings estimate 4 hours ago in Arlington, VA
  • $57,500 debt relief savings estimate 4 hours ago in Newport News, VA
  • $40,000 debt relief savings estimate 5 hours ago in Lynchburg, VA
  • $112,500 debt relief savings estimate 5 hours ago in Alexandria, VA
  • $35,500 debt relief savings estimate 6 hours ago in Chesapeake, VA
  • $30,500 debt relief savings estimate 6 hours ago in Petersburg, VA
BBB A+ Rated
Powered by Envoy
Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

Non Profit Debt Consolidation

If you're one of the millions of Americans seeking relief from credit card debt, take heart - you're not alone. Today, many residents in California and elsewhere are also struggling with unmanageable credit card and unsecured debts, which may be medical bills, department store bills, or even utilities. The good news is, there are a variety of debt relief options available, including debt consolidation, debt settlement, or even bankruptcy.

See how debt relief can help you. Answer a few, simple questions to get a FREE debt relief estimate and savings analysis - at no cost to you.

One of the most trusted methods of getting out of debt is debt consolidation - the umbrella term applied to a process that takes most or all of your unsecured debts, such as high-interest credit cards, medical bills, store charge cards, gas cards, memberships, subscriptions, etc. and consolidates them under one monthly low-interest payment made to a credit counseling agency. By doing so, you may be able to save what would have been years of making interest-only payments, and you steadily pay off your debt until it's all gone. By not taking on additional debt, and paying off existing debt on a set timetable that you can afford, this provides you with a predictable debt-free day that you can work towards with diligence, discipline -- and some degree of anticipation!

Get a Free Debt Relief Savings Estimate
Debt Amount
Slide handle to set approximate debt amount.
Less debt
More debt

If you've already begun exploring this avenue, no doubt you've encountered non profit debt consolidation options. A note about non profit: Whenever you see non profit debt consolidation loans, non profit debt relief or any non profit debt negotiation advertisement, it's important to realize that non profit tends to only refer to the way a service is structured. Non profit doesn't necessarily mean cheaper, or even better, in the debt relief arena. So don't necessarily gravitate to one option over another simply because it has 'non profit' status; when it comes to debt relief, it really doesn't make a significant difference on how the debt relief service is provided, or the benefits to consumers.

Explore your debt relief options. Request a Free debt relief estimate and savings analysis, at no obligation to you.

What Are Debt Consolidation Loans?

There are two types of debt consolidation. The first involves entering into a debt management plan, in which a credit counselor attempts to negotiate lower interest rates on your credit cards, or more favorable repayment terms on your credit cards, medical bills, store charge cards, and other unsecured debts. Proposals are sent out to each of these creditors by the credit counseling agency putting together a debt management plan on your behalf. Those creditors who agree to the proposals will be added to the debt management plan and you as the consumer on the debt program will make one payment each month that gets distributed to your creditors by the credit counseling agency. The second debt consolidation option, debt consolidation loans, doesn't require a third-party credit counselor; they can be obtained through your bank. Debt consolidation loans come in two forms: Unsecured and Secured.

Unsecured loans can generally be taken out for amounts up to $8,000 and may not require collateral to be put down. Therefore, if you have only a modest amount of debt, this may be a good way to go. However, it is important to remember that if you use loan proceeds to pay off debts, you still have the loan to pay off AND unless you are careful, you could end up with a whole new batch of credit cards debts as well. So, in this scenario, your situation can easily go from bad to disastrous, so be careful before proceeding.

Regarding secured loans, these can be taken out for dollar amounts that are much higher, providing that you attach your home or other valuable asset as collateral. As a result of this condition, it's VERY important that you make sure you can handle the terms of the loan; failure to do so could result in your house being repossessed by the bank, not to mention falling even deeper into debt than you were to start out with.

Choosing A Debt Relief Company

If you do decide to work with a credit counselor to reduce your debt, we strongly recommend you first investigate the reviews of non profit debt consolidation companies. Consulting the Better Business Bureau will tell you how long a company has been around, what their overall track record is and what types of complaints (if any) have been levied against them. Only work with people you trust - and then trust that they will be able to get you, and your finances, back on your feet. If you are in debt and in need of assistance, you can get a free debt relief analysis and savings estimate - at no obligation to you.

Saving thousands of dollars feels really good!
Know your debt relief options.
People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Grand Rapids, MI

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Grand Rapids, MI

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Las Vegas, NV

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Bronx, NY

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– New York, NY

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Gastonia, NC

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even resolve debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Fresno, CA