It’s a common misconception that all debt relief programs are the same. The media tends to lump them all together, but the difference between programs and which one will best suit your personal needs is great. Being knowledgeable about the various debt relief options available to you can make all the difference in successfully seeking debt-free financial security, which is why we created a website to help make sure you are taking steps in the right direction.

Debt Settlement - Also known as Debt Negotiation, Debt Settlement is the quickest most inexpensive way to get out of debt. This debt relief program doesn’t mess around- the most aggressive way to directly rid yourself of debt, it is your most viable option if you have seriously considered declaring bankruptcy. 

While more and more Americans are beginning to investigate the potential benefits of debt settlement, the industry’s still a young one, and many consumers remain confused about how exactly debt settlement works. After all, in a manner of speaking, debt settlement negotiations happen every time a borrower answers a debt collector’s call. Professionals in the field work an entirely different magic.

Successful debt settlement negotiations can eliminate up to 70% of a borrower’s total debt balance – with the entirety paid off in less than three years with the right program. There are as many variables to negotiations as there are borrowers, but this website will provide an introduction to the procedures of debt settlement as they’re now used.

Bankruptcy - Bankruptcy should be avoided at all costs. Filing for bankruptcy can have lasting negative consequences may tarnish your financial history for up to 10 years in some states. Additionally, recent regulatory changes have made it even harder to start fresh after filing for bankruptcy. 

Don't get down about growing past due balances or creditors calling at all hours, credit card debt or overdue medical bills. If you take immediate action, you can get help before it's too late! You may qualify for protection under the U.S. Bankruptcy Code, and filing bankruptcy may help you regain control of your financial future.

There are two main options offered by the U.S. Bankruptcy Code for people in financial crises. For some, filing Chapter 7 bankruptcy offers the opportunity to discharge unsecured debts and get started on the path back to financial stability. For others, filing Chapter 13 bankruptcy allows the repayment of secured debts like their mortgage debt over time.

You should know that filing bankruptcy is just one among many options for recovering from financial setbacks. In order to make the best decision for your situation and future, you need to educate yourself about all your options for filing bankruptcy and then take action as soon as possible.

Despite our many informational resources on filing bankruptcy, there is no substitute for the advice and guidance of an experienced debt relief professional. We provide a fast and easy way to find a debt relief professional in your area. Our bankruptcy and debt relief partners can help you find an objective point of view on your current financial situation, separate the differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy, and help you move confidently forward as you make your next move, whether that does or does not include filing bankruptcy

Debt Consolidation - Also known as a Consolidation Loan, this program works to merge multiple loans into a single, more manageable loan. The benefits of reducing to a single loan payment can include lower monthly payments over a longer period of time. Important to note, however, are the recent changes in credit markets which have resulted in tighter regulations. This is especially important if you have a low credit score, as loan options are limited for people with FICO credit scores less than 660.

Consumer Credit Counseling Service (CCCS) - Companies that offer these ‘nonprofit counseling programs’ charge you a fee for working with your creditors to reduce both your current interest rates and your minimum monthly payments. Recently, however, they have been critiqued for being mislabelled as a nonprofit organization.

Do Nothing - If you have fallen deep into debt and are struggling to keep yourself afloat financially, the worst thing you could do would be to do nothing at all. If you have found your way to this website, it means that it’s time to take control of your debts and get out of financial trouble. The good news is that you don’t have to deal with this alone. We want you to know that relief from debt is available, and seeking help from a debt management professional is the first step in the right direction.