Credit Counseling Reviews
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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!
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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.

Credit Counseling Reviews

Many consumers struggling with debt in Florida and elsewhere are looking for a way out that is both proven and predictable and are comparing reviews of their credit counseling or debt relief options. One option is debt consolidation, which allows consumers to consolidate high interest, unsecured debts into one, more manageable monthly payment. An alternative is debt settlement, where the goal is to "settle" credit card debt for less than the full amount owed.

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.

When researching and selecting a debt relief company, make sure you do your due diligence; one way is to review a company's Better Business Bureau (BBB) rating and its record of customer complaints. Also make sure that they clearly communicate the features and benefits of their programs, as well as any negative aspects you need to be aware of such as the legal, credit, and tax implications of debt relief services.

Debt Reduction

When choosing a debt reduction method that fits your needs, consider the following factors:

  • Degree of Debt
  • Type of Debt
  • Assets Owned
  • Length of time to become Debt Free
  • Ability to Pay-Off Debt

These days, many consumers have the following debt relief choices available: Debt consolidation, debt settlement, loans, or even bankruptcy. For those who are truly unable to pay their debts and do not qualify for either settlement or consolidation, bankruptcy may be the next step.

Bankruptcy Pros

  • Can stops collection actions
  • Eliminates unsecured debt
  • Provides option to keep house, car, other properties
  • Can provide a clean financial slate
  • Provides potential to rebuild credit sooner

Bankruptcy Cons

  • Loss of credit cards
  • Remains on credit report for 10 years
  • Student loans and back-taxes do not qualify.
  • Stigma associated with declaring bankruptcy

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

Debt Settlement Companies

As a form of debt relief, debt settlement is another viable option for many consumers. What it typically involves:

  • Advise debtor to set aside enough money for a negotiated settlement
  • Advise debtor to stop credit card payments
  • Help the debtor settle debt for much less than full amount owed
  • Has a less severe impact on credit than personal bankruptcy

Credit Counseling Agencies

Another popular debt relief method is what's known in the industry as debt consolidation through a credit counseling agency. This approach allows consumers to combine their high-interest unsecured and credit card debts into one, more affordable, and more manageable monthly payment.

Benefits of Debt Consolidation:

  • Negotiate reduced, more consumer-friendly interest rates.
  • Helps debtor maintain on-time payments to creditors in the program
  • Distribute and direct all payments directly to creditors on behalf of debtor.
  • Helps debtor by promoting healthier credit habits and debt priorities for the future.
  • Lessen the likelihood of personal bankruptcy by debtor.

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

Saving thousands of dollars feels really good!
Know your debt relief options.
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
– Daphne, AL

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
– Daphne, AL

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
– Modesto, CA

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
– Elkhart, IN

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
– Pinole, 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
– Fullerton, 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 resolve debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Mead, CO