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Which debt relief program saves you the most each month?
Find out today which debt relief programs you qualify for and how much money you could be saving each month!
  • $47,500 debt relief savings estimate 49 minutes ago in Alexandria, VA
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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.

Do You Need Help With Debt?

It seems that everyone today is searching for help with debt. As of last year, American consumers held $2.46 trillion dollars in debt, and the average person has 13 credit obligations to deal with every month. Needless to say, offering responsible debt relief assistance has become more important than ever.

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

Let's review a few of the more popular debt relief options that are available. A debt management program through a credit counseling agency is one way to pay off debts faster. This involves credit card companies agreeing to accept proposals to reduce interest rates, waiving fees and penalties and allowing consumers to pay back the principal amount of debt at a pace that is more affordable. And, since interest rates may be reduced dramatically, even though you may pay less each month, you still could get out of debt faster as a result of your payments going to reduce the actual debt, not simply to payoff, or service, the interest.

Debt Settlement

Another debt relief option is debt settlement. With debt settlement, credit card companies may agree to forgive or settle your debts for much less than you owe. How much less? Results will vary, but the fact is, many people have been able to settle credit card debts for substantially less than is actually owed.

The fact is, if you get so far behind in your payments that credit card companies decide to "sell off" your debt to a collection agency, often the credit card companies will sell your debt for as little as ten cents on the dollar. So, when it comes to settling your debt, credit card companies consider a full range of factors, including the possibility that they may eventually have to sell your debt off as what is termed as "bad debt."

Everyone's Debt is Unique

Regardless of this fact, however, it would be irresponsible to say just how much anyone could save via a debt settlement negotiation. Each person's debt situation is unique and how much you save depends on how much you owe, and what credit card companies are willing to do for you. It's also important to point out that, under a debt settlement program, typically consumers will fall behind in their payments to creditors in order to begin "setting aside" funds that can be later used to extend a settlement offer. When consumers default on the terms of their credit card agreement, there is the risk of legal action on the part of creditors to enforce the agreement. In addition, any money saved through debt settlement is subject to taxation. One more critical thing to consider before choosing debt settlement: Debt settlement programs can seriously impact your credit score as negative information as a result of a settlement program can remain on your credit report for up to 7 years. While settlement is definitely considered a negative to one's credit, it does not have as severe or long lasting an impact on credit as a personal bankruptcy. While debt settlement can harm personal credit, bring about legal action, and lead to taxation on benefits -- it is still important to note that settlement programs are a viable and popular debt relief alternative to those who are in financial duress and want to pay the credit card companies what they can, when they accumulate a reasonable offer -- and, at the same time, want to do whatever they can to avoid bankruptcy.

To get a free debt relief analysis and savings estimate and see how much you could potentially save through a debt relief program, begin by answering a few questions online.

Saving thousands of dollars feels really good!
Know your debt relief options.
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
– Houston, 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
– Houston, 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.
Who we're helping right now...
$10,000 debt relief savings estimate
– Shafter, CA

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
– Fresno, 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
– Conroe, TX

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
– Houston, TX

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
– Bryan, TX