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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.

Consumer Credit Counseling Service

If you have used credit to purchase anything, you may be aware that the wise use of credit means doing what you can to avoid the high-interest debt treadmill for life - which may mean you have used a consumer credit counseling service. If you watch television, listen to the radio, or read a newspaper, then you also know consumer credit counseling service companies seem to be everywhere these days. So too are consumer credit counseling service complaints. Like any in-demand business, there are good, bad and somewhere in the middle. The last thing any debt-ridden consumer seeking credit counseling services needs is help from a company that falls short on service, charges too much, promises too much, or fails to get the job done.

Consumer Credit Counseling Service Reviews

Are you a candidate for credit counseling? You may have read consumer credit counseling service reviews online or in your local newspaper. You've looked for free credit counseling and you've looked to credit counseling government services; you've read consumer reports, or you may have asked a lot of questions. However, knowing what debt relief means requires a trustworthy source.

See how debt relief can help you. Answer a few, simple questions to get a free debt relief estimate and savings analysis - at no cost to you.

If you are considering credit counseling, remember, it does not make debts magically disappear. However, it does offer a proven path out of debt, if followed diligently. A credit counseling agency typically works with consumers, making proposals to creditors on the consumer's behalf -- requesting lower interest rates, a waiving of late fees and penalties, and generally more favorable, more affordable repayment terms. The bottom line, credit counseling can generally help consumers get back on track financially and get on an accelerated path to reduce debts. This is done by NOT accumulating new debt, and paying down existing debt, hopefully at lower interest rates -- to achieve a faster pay-down period.

All Debt Reduction Companies Are Not Created Equal

Are you a Florida resident struggling with credit card debts? If so, you may be relieved to know that there are debt relief services available that can help you reduce debts. However, as with any financial decision, it is important to do your due diligence regarding any debt relief company, check their Better Business Bureau (BBB) rating and feel comfortable with your understanding of the benefits you are likely to receive, the time required to realize those benefits and all other aspects of debt relief, including any fees.

Different Business Models

When it comes to debt relief, it is important to understand that all debt-reduction companies not created equal, and they offer dramatically different paths to achieve a common objective--debt relief. Here's the breakdown:

Credit Counseling Agencies/Credit Counseling Services

This includes "for profit" and "non-profit" with fee structures often very similar so as not to make any significant difference in what services provided consumers will cost. Be aware that some "non-profit" credit counseling agencies use the "non-profit" terms to market their services, and they aren't necessarily superior or more "consumer-friendly" than other "for-profit" counseling agencies.

The objective is to create better payment terms for the consumer - requesting that creditors provide the consumer in distress more affordable terms via lowering interest rates, waiving fees, waiving penalties, consolidating all unsecured debt, and creating one manageable and more affordable payment plan.

If the consumer remains faithful to the debt management plan, they can generally expect to be debt-free at an accelerated pace. It is important to know that many consumers do not succeed with debt management plans because they do not have the finances, or the discipline, to stick with the plan for the entire period required. Despite this, debt consolidation programs or credit counseling programs offer the opportunity for debtors in need of help to get on a predictable path to reduce debts and regain control of finances.

Explore your debt relief options. Request a free debt relief estimate and savings analysis, at no obligation to you.

Debt Settlement Companies

Another type of service is a company which specializes in reducing the amount of debt owed, or what's called "debt settlement." With debt settlement, credit card companies may agree to "settle" credit card debts for substantially less than the full amount owed: Debt settlement characteristics:

  • Reduction to the consumer of the total debt owed
  • May help the debtor avoid bankruptcy. Settlement typically damages credit, but it is not as long-lasting as bankruptcy
  • Can help to get monthly finances back on track
  • Can substantially reduce debt, but also lead to legal action while consumer defaults on payment terms and saves up money for a lump-sum settlement

Again, enlisting services of a debt settlement company does not, however, ensure or necessarily stop creditors from pursuing other legal means to recapture and collect the total outstanding debt. Once the debt settlement offer is made and accepted by the credit card company, the debt in question will typically be termed "settled as agreed for less than the full amount owed" and this can remain on a credit report for up to seven years -- thus having less severe an impact on credit as bankruptcy which will typically remain on a credit report for ten years.

Debt Consolidation Loans

Debt consolidation loans allow consumers with unmanageable debt payments to consolidate high interest rate debts into a lower interest rate loan. If done correctly, it can reduce principal and interest paid, often shortening the payback period time. Let's be clear, a debt-consolidation loan is not for people who have trouble not using credit cards during the payback period. Debt-consolidation loans are often backed by a secured asset, like a home. While payments can be lower, if a person defaults on the loan, it puts at greater risk on the underlying asset, i.e. the home. You need to consult with an expert to see if a secured asset should be used to help pay-off an unsecured debt.

Request your free debt relief analysis and savings estimate in minutes - at no obligation. Start by answering a few, simple, questions - 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
– Clermont, FL

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.
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$30,000 debt relief savings estimate
– Clermont, FL

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.
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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.
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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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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.
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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.
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$50,000 debt relief savings estimate
– Compton, CA