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Debt Management Services

If you're reading this, chances are you're dealing with a sizable amount of debt, and are beginning to think about the options you have to help you start clearing it. You can take heart knowing you're not alone - the average American household owes around $18,000 in debt - and that number is only going up. The good news - many programs are in place to help you settle, consolidate, reduce and even eliminate your debt for good. Let's take a look at some of these debt relief services.

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.

Debt Settlement Services

Also known as debt negotiation, debt settlement involves you coming to an agreement with your creditors on a reduced balance, which you then agree to pay in full. If you've been keeping up with monthly minimums, most credit companies won't be willing to negotiate your balances down - it's when you stop making payments, and fees and interest begin piling up that debt settlement services become truly viable.

Debt settlement can be done on your own, through an attorney or a third-party company that specializes in debt settlement - however, it's important to be aware that debt settlement services can charge you a fee after successfully settling your debt, so make sure you understand what the charges could come to before deciding on this route.

Debt Consolidation Services

Typically, debt consolidation involves combining multiple debts into one, more manageable, and more structured payment plan made to a credit counseling agency. Through debt management, credit card companies may agree to reduce your interest rates, waive fees and penalties and allow you to make a single more affordable payment each month to cover all your unsecured debts. In contrast, with a debt consolidation loan, you are essentially taking out a lower interest rate loan in order to consolidate all of your higher interest rate unsecured debts. Two main advantages to debt consolidation, either through a loan or through debt management, it can secure lower interest rates and it can also provide you with the convenience of only having to make one monthly payment.

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

There are two types of loans that you can acquire through debt consolidation services: secured and unsecured. Secured loans are usually for amounts over $10,000, and require you to put up substantial collateral (such as your home) to be approved. If you're a fiscally responsible individual and are confident you can make monthly payments on time, a secured loan is a great way to eliminate multiple, high-interest debts and make your life a lot easier. However, failure to make these payments can come at a severe cost - it's possible that the bank could repossess your home.

On the other hand, if you have less than $10,000 worth of credit card debt, an unsecured loan might be just the thing. Unsecured loans require no collateral to be put up, and interest rates on these loans are usually much lower than the high amount that credit card companies charge. Of course, it's still important to maintain your monthly payments; otherwise you risk further damage to your credit rating.

Okay, I want to explore my options. What's the next step?

Choosing to work with any kind of debt reduction service is a big decision, and like with all major decisions, it's important to do your homework. If you decide to work with a debt help service to help you lower your debt, investigate each choice thoroughly; put a call into the Better Business Bureau or your local consumer protection agency, and make sure your chosen company has a clean track record. Good luck - and may you quickly find yourself back on your financial feet!

Request a free debt relief analysis and savings estimate in minutes. Start by answering a few, simple questions here.

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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
– Carlsbad, NM

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
– Carlsbad, NM

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
– Plant City, FL

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
– Hot Springs National Park, AR

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
– O Fallon, MO

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
– Glen Burnie, MD

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 settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Lowville, NY