Should You Consolidate Debt?
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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.

Should You Consolidate Debt?

If you're struggling with your debts and juggling regular household bills with credit, then it might seem like a great idea to take out a debt consolidation loan. But you should definitely beware of this type of loan. Too often unsuspecting borrowers consolidate debt, only to find that they're now in deeper debt than they were before!

To review your debt relief alternatives - answer a few, simple questions to get a free debt relief estimate and savings analysis - at no cost to you.

This is why it's make sense to consider all your debt relief options before you take out a debt consolidation loan. These options include debt management plans through credit counseling, debt settlement plans, or possibly even bankruptcy.

With debt management, you essentially are paying back all of the money you owe, but through lower interest rates, you may be able to reduce your overall unsecured debt much faster than you could on your own, if you were to continue paying your for substantially less than you currently owe. With debt settlement, credit card companies, depending on your situation, may be willing to forgive a significant portion of your debt.

Decide Carefully

In recent years businesses that offer to consolidate debt for you have sprung up everywhere. However, many of these lenders aren't doing anything but preying on the misfortunes of others. The consolidation loans they offer will usually have a high interest rate, sometimes much higher than what you're paying now, and if they don't have those high rates now they can add them in at any time once you sign on the dotted line.

On top of that, you may be subject to hidden fees, penalties, and term extensions that could cost you dearly for years to come. It is important to know that both debt management and debt settlement can impact your credit, so make sure you ask your debt relief specialist how your credit will be impacted as well as how much money you could save and how quickly you could reduce your debt.

Take Advantage of Your Debt Relief Options

If you're interested in what debt relief options could do for you, take a moment to fill out a simple form and we will connect you to a company that will provide you with a free debt relief analysis and savings estimate - at no obligation.

Saving thousands of dollars feels really good!
Know your debt relief options.
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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
– Allen, TX

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
– Allen, TX

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.
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$10,000 debt relief savings estimate
– Arcadia, 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
– Jacksonville, FL

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.
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$35,000 debt relief savings estimate
– Cambria Heights, 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.
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$20,000 debt relief savings estimate
– Manheim, PA

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
– Skaneateles, NY