Debt Counseling - Virginia
UPDATE: Due to COVID-19, please be advised that banks are offering account assistance for those individuals and families most impacted by the virus.
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Which debt relief option saves you the most each month?
Find out today which debt option you qualify for and how much you could save!
  • $33,000 debt relief savings estimate 1 hour ago in Dillwyn, VA
  • $40,000 debt relief savings estimate 13 hours ago in Chesapeake, VA
  • $35,000 debt relief savings estimate 13 hours ago in Hopewell, VA
  • $70,000 debt relief savings estimate 14 hours ago in Crozet, VA
  • $41,000 debt relief savings estimate 16 hours ago in Rockville, VA
  • $60,500 debt relief savings estimate 18 hours ago in Pulaski, VA
  • $76,500 debt relief savings estimate 19 hours ago in Richmond, VA
  • $45,000 debt relief savings estimate 20 hours ago in Bedford, 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.

Debt Counseling

If your credit card debts have spiraled out of control and you are now struggling to keep up with your monthly payments, you may be interested in finding out how much debt counseling or debt consolidation could potentially save you. Facilitated by credit counseling agencies, debt consolidation programs assist many consumers in Virginia and across the country to find relief from their high-interest credit card debts, as well as unsecured debts (like medical bills, utilities, student loans, department store charges), with a more structured and more manageable payment plan.

The goal is, with a more structured and more affordable repayment plan, you can, hopefully, direct more of your payment into paying the principal of your debts versus just the interest and reduce your debts at an accelerated pace.

Find out if you qualify for savings with a free debt relief analysis and savings estimate - by answering just a few, simple questions. Start here.

What to Expect With Debt Consolidation

For many consumers, rising credit card and unsecured debts are serious problems that won't just magically go away. And any number of reasons may cause debt - including a loss or reduction in income, medical bills, or a personal crisis. If you find yourself in financial distress, you know that debts often cause emotional and mental stress as well, and may even trigger unwanted tension among many families and individuals.

But you can breathe a little easier because as mentioned earlier, one of the ways that you can find debt relief is through a process known as debt consolidation, or a debt management plan (DMP).

The goal of a debt consolidation plan is to "consolidate," or combine, your credit card and unsecured debts into a single, more manageable and more structured monthly payment made to a credit counseling agency.

Coordinated by credit counselors, the debt consolidation process typically begins with a review of your income, outstanding debts, and other assets. This process generally entails taking stock of all your spending, debt amounts, and other expenses, as well as adding up the balances on your credit cards and the interest rates that you are currently paying.

Once credit counselors have a clear picture of your finances, they typically submit proposals to creditors, on your behalf, requesting lower interest rates and the waiving of late fees and penalties. Creditors that accept the proposals are added to the debt management plan. Credit counseling agencies, in turn, distribute those funds to creditors that are in the plan.

Will Debt Consolidation Lead to Savings?

For many consumers who have the discipline to watch their budget and stop relying on their credit cards for most of their purchases, a consolidation plan can be a form of debt relief that will likely help them get on a path towards reducing their debts and potentially lead to savings. Keep in mind, however, that while it is the credit counselor's responsibility to request from your creditors a more lenient repayment plan, it is your responsibility to ensure that you have the funds available in the account set up by the credit counseling agency.

In addition, make sure that you understand how much savings you can potentially get, every month, with a debt consolidation or management plan. Typically, your savings depend on several factors: the total amount of your debts, the current interest rates, and any late fees or penalties.

The bottom line is, if you are ready to tackle your credit card and unsecured debts, take the next step and find out what debt counseling and other debt relief programs can do for you and your family.

To explore your debt relief options, request free debt relief analysis and savings estimate.

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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
– Hendersonville, 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
– Hendersonville, 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
– Phoenix, AZ

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
– Atwater, 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.
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$35,000 debt relief savings estimate
– Smithtown, NY

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
– Hollywood, FL

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
– Sarasota, FL