DebtReliefCenter.org assists individuals and families in debt by providing convenient referrals and connections to debt relief companies nationwide. These companies specialize in specific debt relief categories, including debt management through credit counseling agencies, debt consolidation, debt negotiation, debt settlement and debt mediation.
While no one debt relief solution is right for everyone, DebtReliefCenter.org takes a moment to understand each person's unique debt situation before providing, upon the visitor's request, referrals to available debt relief options.
While DebtReliefCenter.org strives to connect individuals to available debt relief options, no specific debt relief solution is appropriate for all financial circumstances, so it is recommended that individuals seek the advice of a financial or legal professional to properly understand debt reduction benefits as well as the short and long-term effects of individual debt relief options on personal credit and credit scores. In addition, it is important to note that, effective October 27, 2010, the Federal Trade Commission has issued an enforcement policy statement on a new FTC rule that protects consumers by barring debt relief firms from collecting up-front fees. Unless a debt relief firm is an "attorney-based" debt relief firm, no upfront fees may be collected. Only after a settlement has been reached with creditors may "non-attorney based" debt relief firms be compensated. This is a pro-consumer measure for individuals in debt who use the services of a debt relief company.
We hope this website provides you with valuable information to help you better understand your debt relief options.
If you're like many people in debt, you may not be aware of the debt relief options available to you. Debt relief, depending on your financial situation, could help to reduce your interest rates, lower your payments, or even settle your debts for substantially less than you owe.
While exploring debt relief options such as credit counseling, debt consolidation, or debt settlement can sometimes be stressful – many people find it reassuring to know that debt relief can not only help save money, but also provide debt relief options that have helped many people regain control of finances and avoid bankruptcy.
Please be advised that, while debt relief programs can help to reduce debts and potentially save a substantial amount of money, they do not make debts magically go away. Consumers in a credit counseling program need the basic discipline to set aside funds each month to live up to the terms of their debt management plan and consumers in a debt settlement program must be able to set aside or accumulate the necessary funds to make a reasonable settlement offer to credit card companies.
DebtReliefCenter.org does not provide direct debt relief services but serves to connect consumers, upon request, to debt relief companies that offer a free debt relief evaluation and savings estimate at no obligation. Individual results and savings will vary in debt relief programs depending largely on your amount of debt, your individual creditor's debt relief policies, and your ability to complete your program.
Finally, prior to enrolling in any debt relief program, we recommend you clearly understand the money-saving benefits of debt relief, how debt relief programs could affect your credit, as well as any potential legal and tax implications of debt relief programs.
Here's to your financial freedom!
Walter E. Burch
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.
Disclaimer - DebtReliefCenter.org does not provide direct debt adjustment services, but upon request, serves as a locator service for U.S. residents. For debt consolidation programs, where permissible by law, companies may charge a one-time enrollment fee typically from $25 up to $75 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 $75 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, and you are under no obligation to enroll in, or purchase, any product or service.
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