Debt Consolidation with Bad Credit
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Find out today which debt relief programs you qualify for and how much money you could be saving each month!
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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.

Debt Consolidation with Bad Credit

Are you looking for debt consolidation with bad credit? If so, you're not alone. Millions of Americans look into consolidation loans every year.

But predatory lending, and undisciplined borrowers, have made debt consolidation with bad credit dangerous for many consumers. In many cases, individuals who take out debt consolidation loans, end up paying off their credit cards with the proceeds, then go right back to running up their credit cards all over again. As a result, they may end up worse off in the final analysis.

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 Management

This is one of the reasons why debt relief programs such as debt management through credit counseling or debt settlement have become more popular in recent years. Debt management can help you get out of debt by reducing your interest rates and allowing you to make a more manageable payment each month.

Debt Settlement

Debt settlement, also known as debt negotiation, may be able to help you settle your credit card debts for less than you currently owe. This involves credit card companies reviewing your financial circumstances, including your debt load, and deciding how much, if any, they will be able to forgive of your debt.

When you choose debt settlement, a professional debt negotiator may be able to help you and your lenders agree upon a single lump sum payment to settle your debt. This could save you a significant amount of money. How much is the reality? When credit card companies "sell off" what is known as "bad debt" to a collection agency, they often sell this debt off for ten cents on the dollar. Considering this fact, credit card companies may be willing to accept substantially less than the full amount of what you currently owe. How much is irresponsible to say, because each person's situation is unique in terms of how much debt they have, the type of debt they have, and the actual credit card companies that they owe the money to.

Regarding various debt relief options, many people prefer debt management to debt settlement because they want to pay back their debts in a more "honorable" way, they just need creditors to give them a break via lower interest rates or extended payment terms. Other people are so far behind and worried about bankruptcy that they are willing to explore debt settlement as a way to remove the crushing weight of credit card debt, without going through a full-scale personal bankruptcy.

Review Your Debt Relief Options

Regardless of your situation, when you review your debt relief options, make sure that you ask your debt relief specialist about the legal implications of the debt option you choose and how the debt option you are considering could affect your personal credit. This is important as is how much you can save and how quickly you could reduce or debts or become debt free.

To receive a free debt relief analysis and savings estimate - at no obligation, take a moment to fill out a short form. Start today.

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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
– South Bend, IN

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
– South Bend, IN

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
– Gilbert, AZ

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
– Clovis, CA

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
– Milford, PA

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
– Los Angeles, CA

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
– Oceanside, CA