Settle your Debt for Less & Start Fresh..

You are not alone and there is help available

Millions of families nationwide bring in less income and paying down debt is a challenge. Unemployment, loss of income, divorce, health issues, high mortgage payments, failed investments & businesses push millions of people into a financial hardship.

Americans struggle to find balance between paying down debt, managing monthly living expenses and saving for the future. Estimates conclude that 61 percent of Americans can only live three months or less on their savings, 38 percent state not having savings to cover one month's expenses.

The bottom line is all creditors have a pulse on the state of the economy and want to decrease risk. Often times creditors may be willing to settle consumer debt for less than is owed. Based on your situation you could reduce your interest rates, lower your monthly payments, consolidate your debt, or even your credit card debt for less than you owe.

Below is a chart that shows total credit card debt written off by banks in the US each year. You may be a great candidate for a similar outcome, find out now. Fill out the form above to calculate your savings.

How does the process work?

Is debt relief right for you.

Our system matches you to programs that best fit your needs. Based on your situation you may be a great candidate for debt settlement, which is an aggressive approach to settling debt for less than you owe. Debt settlement is typically a good match if you are dealing with loss of income, collections, struggling with payments or high credit card debt. If you are still able to pay your bills and just need lower payments then Debt Consolidation or Credit Counseling may be a viable option. Why guess which program is best for you? Fill out the form above and receive a debt evaluation. Know your options today at no cost to you.

What debt relief options are available?

Learn about all your options today.

Option1 – Do Nothing

Doing nothing can cause more financial and physical stress. You will continue to feel stress in all areas of your life. Debt related stress may affect your health, your performance at work, and even your relationships.

Take action NOW! Taking action will absolutely improve the way you feel and improve your long term financial situation. Doing nothing may cost you thousands of dollars in fees and interest expenses. It's like setting money on fire. The typical consumer spends $10,000 a year just in interest that has absolutely no value.

Option 2 - Bankruptcy

Bankruptcy is a serious choice with long term consequences. We recommend consulting with one or two attorneys and financial advisors before starting down this path.

Bankruptcy will remain on a credit report and public record for 7-10 years. Also you may not qualify for bankruptcy depending upon your income and county of residence. You may only qualify for Chapter 13 which requires you pay debts over a long period of time. Make sure this is your only and best option before proceeding. Review all your options with several professionals.

Option 3 - Credit Counseling

This option is quickly dying as a good choice. Credit counseling doesn’t make much difference in monthly payments so you won’t necessarily receive immediate relief. Credit counseling is designed as temporary relief and usually forces you to pay back most or all of your debt. This option may be good if you want to pay back your full debt load.

Option 4 - Debt Settlement

Debt settlement is often confused with debt consolidation. In debt consolidation, the consumer makes monthly payments to the debt consolidator, who takes a small fee and passes the rest on to the creditors; this way, creditors continue to receive payments each month. In debt settlement, the consumer makes monthly payments. out of which the debt settlement company takes its fees; the remainder is put into a "trust" or "special purpose" account. The creditors get nothing until they decide to settle.

Learn more about Debt Settlement.

How do I get started?

Fill out the form above or call.

Our system is designed to help families avoid debt relief scams and provide a direct link to reputable services that can truly help.

Our program can help Americans struggling with unsecured debt. Unsecured debt includes Credit Card Debt, Medical Debt, Unpaid Utilities, Personal Loans, Auto Repossessions and other Unsecured Debt. We can not assist with Mortgage or other Secured Debt.

Get your life back on track today! Simply fill out the form above and a debt relief counselor will contact you for a free no obligation evaluation. Learn about options and decide which program makes sense for you and your family.