CaliforniaDebtRelief.org
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People with multiple credit card debts may be surprised to see how much money debt relief can save each month — AND how quickly they can get out of debt with a monthly debt relief plan
— CaliforniaDebtRelief.org
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What Is Debt Aid?

For California residents who are struggling with bills and in need of relief from debts, the terms "debt relief" or "debt aid" are actually labels for a variety of debt relief options now available to consumers -- including debt consolidation, debt management, credit counseling programs, debt negotiation or debt settlement.

Many consumers exploring debt relief options believe that debt aid or debt relief refers to government debt relief or government credit card debt assistance programs. The fact is, there is no government-provided program of credit card debt relief or debt aid for consumers. However, there is debt relief help available to consumers: In fact, depending on your current financial circumstances, there are a variety of debt relief options to help individuals and families with debts such as credit cards, store cards, medical bills -- and other unsecured debts. Through these programs, credit card companies and other creditors may agree to significantly reduce your current interest rates, waive late fees and penalties, lower monthly, offer more lenient repayment terms or even agree to settle your debt for much less than you owe.

To qualify for the various debt relief or the debt aid programs noted above, your debt must be unsecured debt such as credit cards, gas cards, store cards, personal loans, medical bills, doctor bills -- or any other debt that is not secured or "backed" by real property such as a home or automobile.

Will debt relief aid help you? To find out, begin by answering a few basic questions online

What's the difference between debt consolidation and debt settlement?

Across California and the nation, debt consolidation has become an increasingly popular form of debt aid for individuals in need of relief from credit cards and other unsecured debts. -Through debt consolidation, or what is known as debt management coordinated by credit counselors or credit counseling agencies, you are actually paying back all that you owe, but the goal is get credit card companies and other creditors to agree to reduce your interest rates, waive your existing late fees and penalties, and even grant you more favorable repayment terms -- which could allow you to consolidate all of your unsecured debts into one lower and more affordable payment each month.

If you're currently facing debts and looking for a debt relief option that will, not only bring you relief, but possibly save you a substantial amount of money as well, you may be considering a debt consolidation loan. While debt consolidation loans can help save money -- they can also be very expensive and risky. If you're not careful and diligent with debt consolidation loan payments, they can cause your situation to go from bad to worse as they typically have to be secured an asset such as your home. Should you default on a debt consolidation loan, you could be putting your house at risk.

How can debt relief help you? How much could you save? To find out, begin by answering a few basic questions online

Typically, to qualify for debt relief programs, your debt must be unsecured debt such as credit cards, store cards, medical bills, or even unsecured personal loans. If you are currently faced with unsecured debt that you cannot manage on your own, it is important to find out how debt relief could help you and see how much you could save.

The good news is, if you or your family is in need of debt relief, there are several debt relief options to explore �?�¢?? in addition to a debt consolidation loan: These debt relief options could not only help to significantly reduce stress, but also help you lower interest rates, eliminate late fees and penalties, lower payments, or quite possibly even help you settle credit card debt for substantially less than you currently owe

Understanding Debt Consolidation Loans: Is Debt Relief a Better Option for You?

Debt consolidation loans normally refer to "combining" or "consolidating" several high-interest debts into one lower interest rate loan. Certainly paying off multiple high interest debts each month with a single lower interest rate loan makes perfect sense at first glance. However, here's where you should be well informed and cautious before moving forward with a debt consolidation loan. Typically, high-interest debts are actually "unsecured debts". This means that they are obligations, or debts, that are not secured by real property such as home or car.

Here's the risk with debt consolidation loans: Should you hit a rough spot in your finances and fail to pay unsecured debts like credit cards, you are NOT putting your home or other asset at risk. However, when you decide to take unsecured debts and "consolidate" them into a single debt consolidation loan that IS secured by your home or other asset -- you are now putting your home or other property at risk: Fail to make debt consolidation loan payments and you could lose your home. By taking on a debt consolidation loan, you have essentially "swapped" unsecured debt for secured debt. Again, if you hit a rough spot financially -- you put yourself or your family in a dangerous situation. That is why it makes sense to explore all of your debt relief options before taking on a debt consolidation loan.

Compare your debt relief options. Get your personalized debt relief analysis and savings estimate

Can You Get Relief from Your Debt Without Taking on More Debt?

For consumers who go with debt consolidation loans and have the financial capability and discipline to pay off the loan each month and not ring up a whole new set of credit card charges -- debt consolidation loans can be a wise financial decision that can save money. However, many people who go with debt consolidation loans to get rid of high interest credit card debt often end up accumulating a whole new batch of credit card charges. If you do borrow money through a debt consolidation loan and fall, once again, for the temptation of the plastic promise -- you now have a debt consolidation loan to payoff AND a new group of expensive credit card charges. In this situation, your debt consolidation loan, which you intended to be your path OUT of debt, has put you even further IN debt.

Avoiding Bankruptcy: How could debt relief aid help you -- How much could you save?

Many people in debt who feel there is little or no light at the end of the tunnel often think of bankruptcy as the only debt relief solution available. In some cases, bankruptcy may be your best option. However, the good news is, depending on your current financial situation, your type of debt and the amount you owe, you have a variety of debt relief options to consider other than bankruptcy -- including credit counseling, debt management, debt consolidation, or even debt settlement. To learn more about your debt relief options, answer a few simple questions online to get your free personalized debt relief evaluation and savings estimate.

How to get help with debts when you are feeling alone and overwhelmed

If you are a resident of California and feeling all alone and overwhelmed with debts, it is important to realize that many people, for a variety of reasons, have hit a rough spot financially and just need some assistance. Understand that there is no shame in debt -- but it is important not to ignore the situation before things get even more stressful and worse. While bankruptcy may be the best option for you, the good news is: you have a variety of debt relief options that may not only help to remove stress, but also help you get back on track financially and save a substantial amount of money.

Speak to a debt relief specialist to get your free debt analysis and savings estimate

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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
– Montrose, CO

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
– Montrose, CO

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
– Cincinnati, OH

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
– Niagara Falls, 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
– Omaha, NE

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
– Rockford, MI

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
– Oregon, OH