Debt Management Program - If You Need Relief from Debts
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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 Management Program

If you are struggling just to make ends meet and in need of relief from credit cards and other debts, don't despair, because you're not alone and maybe a debt management program can help you. These days, many residents in Florida and elsewhere are also looking for proven and viable ways to find debt relief from credit card debts as well as unsecured debts like medical bills, department store charges, or even utilities.

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.

The good news is, there are a number of options and debt-relief services designed to help you manage, control, and finally, pay down your debts. For some people, debt-relief may be in the form of a debt management program (DMP), or what's also known as debt consolidation. With a debt management program, you will typically work with a credit counseling company that will perform a thorough review of your finances, and then make make proposals on your behalf with your creditors requesting reduced interest rates, eliminate finance charges and late fees, or lower your monthly payments -- once your management plan is in place.

Generally, your credit counselor can customize a debt relief program or plan that will make it easier for you to pay down all your debts at a lower interest rate and with an amount that you can realistically afford each month. Under debt management programs, your unsecured debts will typically be consolidated into one monthly payment per month that will be made to the credit counseling agency that, in turn, will distribute payments on your behalf to various creditors based on the payment plan they have worked out with each creditor.

Debt Settlement: Another Option

Aside from debt management companies, there are agencies and organizations offering debt settlement programs, which generally mean credit companies may agree to "forgive" your debt for a much lesser amount than you actually owed. Under a debt settlement program, in exchange for a one-time, lump sum payment (the settlement), your creditor may agree to forgive the remainder of your debt, and report it to the credit bureaus as settled.

It's important to consider some of the terms that may be involved under a debt settlement program so you don't end up in worse financial shape than when you started. First, some consumers may stop making payments to their creditors and put some money aside towards paying off the settlement. During this period when they are saving up funds and not making their payments, they are, essentially, in default of their credit card agreements--putting them at risk for being sued by creditors. In addition, debt settlement clients typically see a decline in their credit scores, particularly if they had good or excellent credit prior to the settlement. But, in spite of the risks, many consumers have made debt settlement a popular alternative to bankruptcy--which has a more damaging and longer lasting negative impact on one's credit score.

Tools to Help You Manage Debts

As you may have noticed, there is a wide variety of services and solutions designed to help you manage, reduce, and ultimately, eliminate your debts. The more you understand what your debt-relief options are and the money-saving benefits each one may provide, the sooner you will find relief from your nagging credit card debts. In addition, there are software programs designed specifically for those who may want to rely on digital tools to help them gain more control over their finances. Typically referred to as debt management software, many of these programs let you enter your sources of income, your expenses, and your total debt, and then help you track how long it might take for you to pay it all off.

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

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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
– Holiday, 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.
Who we're helping right now...
$30,000 debt relief savings estimate
– Holiday, 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.
Who we're helping right now...
$10,000 debt relief savings estimate
– Auburn, WA

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
– Fort Worth, TX

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 Antonio, TX

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
– Granada Hills, 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
– Bradenton, FL