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Welcome to the Debt Relief Center

If you're in debt, there is some good news: Regardless of your situation, legal debt relief options are available. Debt relief could not only help you get out of debt, but quite possibly save you a large sum of money as well!

To see how much you could save, indicate your credit card debt amount (ok to estimate), and a caring debt relief specialist will provide your free debt relief analysis and savings estimate at no obligation.

Need to Pay Off Debt Faster? See How Much You Can Save with Your Free Debt Savings Estimate

Today, if you're like many Americans you may be going through a rough spot financially - as you try to get rid of debt, or pay off debt resulting from high interest, high balance credit cards, unemployment, staggering medical costs, or a personal hardship. For many consumers, credit cards have become a sort of lifeline, helping them purchase daily essentials until things start to look up...or until they realize that they have maxed out their credit cards and are no longer able to make payments, or can just pay minimums each month. There is some good news: If you are in a similar situation where you have been hit hard financially and are unable to pay off your debts, debt consolidation, debt management, or debt settlement may be able to help you get out of debt faster and save money. The fact is, there are a variety of options available to get rid of debt or payoff debt at an accelerated rate. Understanding how to get out of debt faster can, not only help to reduce stress, but also save a substantial amount of money as well

To look at the various ways to get out debt, payoff debts faster, or explore your debt relief options, request a free debt relief analysis and savings estimate - today. It only takes a few minutes online to get started.

Also known as debt consolidation, credit counseling usually involves combining, or "consolidating," all your debts into a single, more structured, and more affordable payment plan. While debt consolidation can be a good solution for many consumers, there are other debt relief options available, including debt settlement, which can significantly reduce the amount of money you owe to creditors. Both debt relief options have become, for many consumers, widely used alternatives to bankruptcy. While bankruptcy can also help clear credit card debts, it also has a more damaging and longer lasting impact to personal credit, so it might be a wise move to carefully review all your debt relief options before proceeding with a drastic option such as bankruptcy.

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Advantages of Credit Counseling

Facilitated by credit counselors, debt consolidation typically begins with a personalized consultation (usually by phone) where they review your finances and outstanding obligations. After credit counselors determine how much money you can comfortably allocate to paying off your debts, they typically create a game plan and speak to your creditors asking for more lenient payment terms - such as reduced interest rates or the waiver of late fees or other penalties. Creditors that accept the proposals are then placed into the debt management plan, or DMP.

The goal is, when you have a more lenient and easier-to-manage payment plan, you can, it's hopefully, pay off or reduce your debts sooner than if you only continued to make the minimum payments at higher interest rates. For many consumers, having a simplified and more predictable payment plan is certainly preferable to having multiple, high-interest debts to manage and deal with every month.

Is Debt Settlement for You?

As a form of debt relief, debt settlement is a fundamentally different approach than debt consolidation through credit counseling. Unlike credit counseling where you pay off the entire amount of your debt - just at, it's hoped, lower interest rates - with debt settlement, you can try to negotiate, or "settle," with creditors for substantially less than what you owe. However, your credit score will typically decline because debt settlement involves "falling behind" on your credit card payments so that you can save funds to use to make a settlement or "lump sum" offer. When you skip payments, you are, essentially, defaulting on the terms of your credit card agreements and may face legal action from your creditors. However, in spite of the risks to your credit, debt settlement is still a popular alternative to bankruptcy - which has a more devastating and longer lasting impact on your credit.

Overwhelmed With Debts? You Have Options!

If you are overwhelmed with credit card and unsecured debts, you can breathe a little easier because you have several debt relief options available. Keep in mind that because every individual's debt situation is unique, it is a smart move to compare and contrast all your debt relief choices, and do your due diligence when selecting a company to work with. It may also be a good time to review your spending habits and lifestyle choices, and determine whether there are areas in your life where you can make small changes that can, potentially, add up to big savings later.

The bottom line is, there is help available for you if you want to take the next step in paying your debts off - such as debt consolidation or debt settlement. To see what debt relief can do for you or how much you can save, take a minute to answer a few, simple questions and get a free debt relief analysis along with a savings quote.

This free, 100% confidential savings estimate will not affect your credit.

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Disclaimer and Fees – We do not charge any upfront fees. Each debt situation and program is unique so fees and costs will vary. For debt consolidation programs, where permissible by law, a one-time enrollment fee from $25 up to $50 may be charged for account establishment and for debt relief proposals submitted on your behalf to each of your creditors. Monthly program administration fees will vary from $5 but no greater than $50 depending on your state of residence and/or the number of creditors who agree to accept proposals and become enrolled in the program. Fees subject to change if permissible by law. For debt settlement programs, by law, you may not be charged any fee until a debt settlement is arranged on your behalf, you approve the settlement, and at least one payment is made towards the settlement.

Not all consumers are able to complete debt relief programs for various reasons, including their ability to save sufficient funds. The use of debt resolution services could negatively impact your credit and may result in legal action on the part of creditors or collectors for unpaid balances. Consumers enrolled in debt consolidation programs who fail to adhere to the terms of their debt management plan (DMP) may forfeit the benefits of debt relief and revert to the terms of their original creditor agreements. Read and understand all program materials prior to enrollment. Please contact a debt relief specialist for complete program details.

Your debt relief analysis and savings estimate is free, will not affect your credit, and you are under no obligation to enroll in, or purchase, any product or service.

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