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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.

Personal Loans

If you're in debt and looking for relief, it might seem logical to consider a loan, a personal loan, debt consolidation loan, signature loan, unsecured loan, or even a bad credit loan. However, it's important to remember that a personal loan, and any other debt consolidation loans, may actually cause your situation to go from bad to worse! Debt settlement is actually the better "first step" towards lowering your payments and getting out from under a financial burden.

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.

Sure, when you're facing what may feel like a mountain of growing credit card debts, medical bills, legal bills, tax debts, collections, and other unsecured debts a loan might seem like it can provide some welcome relief. But keep in mind, if your credit is less than perfect, any personal loan you'll be offered will have a very high interest rate that could further strain your finances, not to mention other poor terms like extensions on the loan to keep you paying longer, or other fees that keep your loan balance high.

It's also good to remember that when you use a debt consolidation loan, which will typically be based on a home or asset as collateral, you risk losing your home if you fail to live up to the term of your loan agreement.

Debt Management Plans and Debt Settlement

This is why a debt management plan through a credit counseling agency or debt settlement may be a much better alternative to personal loans or consolidation loans to handle your debts. Through debt management you may be able to pay back your debt honorably, just at lower interest rates. Through debt settlement you may be able to lower your monthly payments and your overall credit card debt dramatically, without having to take out more loans and risk further financial endangerment.

Remember, unless you have the financial discipline to avoid falling into credit card debt once again, it's wise to avoid any personal loans or debt consolidation loans that "trade" unsecured debt for debt secured by your home or other asset. Instead, consider debt management or debt settlement as debt relief options that may help you get out of debt without risking your assets or falling deeper into debt.

Request a free debt relief analysis and savings estimate in minutes. Start by answering a few, simple questions here.

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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
– Powell, TN

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
– Powell, TN

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
– Arlington, VA

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
– Yuba City, 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
– Shreveport, LA

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
– Smithville, TN

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 resolve debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Sutherland, NE