Debt Relief Companies
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Find out today which debt relief programs you qualify for and how much money you could be saving each month!
  • $30,000 debt relief savings estimate 2 hours ago in Henrico, 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 Relief Companies

If your credit card debts have spiraled out of control and you are falling several months behind on payments, you may be interested in finding out your debt relief options and how much you can potentially save through debt consolidation. Debt consolidation allows many consumers in Virginia as well as across America to combine multiple, high-interest debts into a single and more manageable repayment plan. Typically facilitated by companies that offer credit counseling services, debt consolidation programs can provide many consumers just like you relief from their high-interest credit card debts, as well as unsecured debts (like medical bills, utilities, student loans, department store charges).

By consolidating or combining your debts, the goal is to direct more of your payment into paying the principal of your debts versus just the interest, and reduce your debts at an accelerated pace. This goal is generally achieved by allowing you to make one, consolidated payment to a credit counseling agency, which in turn, distributes those funds to individual creditors.

Another popular debt relief option is called debt settlement, aka debt negotiation. Debt settlement is increasingly becoming popular among consumers who need relief from high-balance credit cards. Through settlement, debt specialists typically negotiate with creditors on your behalf to help you "settle" your debt for significantly less than what you owe.

These days, both debt consolidation and debt settlement have become popular alternatives to bankruptcy, which is generally considered the option of last resort, and has a more damaging and longer-lasting impact to your credit. See if you qualify for savings with a free debt relief analysis and savings estimate by answering just a few, simple questions. Start today.

Debt Consolidation Companies

For many consumers, skyrocketing credit card and unsecure debts are certainly serious problems that can result from any number of circumstances, including unemployment, high medical bills, or personal hardships. The good news is, many consumers, depending on their situation, can get relief through debt consolidation. The goal of a debt consolidation program, or a debt management plan (DMP), is to "consolidate," or combine, unsecured debts and debts spread across multiple credit cards into a single, more manageable and more structured monthly payment made to a credit counseling agency.

Coordinated by credit counselors, debt consolidation typically begins with a review of your income, outstanding debts, and other assets. This one-on-one consultation generally means that debt counselors will review your spending habits, debt amounts and other expenses, as well as add up the balances on your credit cards and the rates that you are currently paying. When credit counselors have a clear picture of your finances, they typically submit proposals to creditors, on your behalf, requesting lower interest rates and the waiver 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.

How Can Debt Consolidation Give You Relief?

For many consumers who have the discipline to watch their budget and stop relying on their credit cards for unnecessary purchases, a consolidation plan can likely help them get on a predictable 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 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 relief can do for you and your family. For many consumers, a debt consolidation plan can provide not only a more affordable and more structured payment plan, but it may also provide long-term budgeting skills. To find out your available debt relief options, request a free debt relief analysis and savings estimate today. Start 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
– Spanish Fork, UT

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
– Spanish Fork, UT

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
– Center, TX

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
– Antioch, TN

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
– San Pedro, CA

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
– Los Angeles, CA

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