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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 Services

If you've been searching for ways to reduce or pay down your existing credit card debts, but can't seem to find the debt management services you need, you've come to the right place. We understand your frustration and confusion when it comes to finding accurate information about debt relief services, debt management programs, debt reduction, or even debt consolidation.

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.

With so many financial terms and debt help services floating around out there today, which do you trust? To help you get started, we suggest getting familiar with some of the most popular options designed to help you manage your debt before it gets too far out of control. One option that you may want to consider is a Debt Management Program, also known as a DMP. Debt management programs are normally offered by credit counseling organizations or agencies as a way to help everyday consumers like you manage your debts and reduce your debts so you can be on your way to enjoying a debt-free life.

Unlike debt consolidation loans that typically take multiple high interest rate debts and combine them into a single lower interest rate loans, debt management programs don't involve taking out a loan. Instead, credit counselors or debt management professionals will work closely with you to develop a workable and affordable plan that can help you pay down your unsecured debts as quickly as possible. A free consultation with a credit counselor is the first step in a debt management program, regardless of your financial situation.

Expert Reviews, Advice and Proposals

During counseling, debt management professionals will review your income, living expenses, and debts so they can give you the proper advice on how to deal with issues such as late rent or mortgage payments, credit card bills, past due credit card bills, and other delinquent payments that you might have incurred. Once your credit counselor has a clear picture of your financial situation, your counselor will make proposals to your creditors on your behalf. These proposals may offer such debt relief benefits as reducing your monthly payments, eliminating late fees and penalties, and lowering your monthly payments.

When paying down your debts through a debt management plan, you will normally deposit money each month with a credit counseling organization, which then makes payments on your behalf to your creditors to pay your credit card bills, medical bills, students loans, and other unsecured debts according to the payment plan they have worked out with your creditors.

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Debt management services differ from debt settlement services in several key areas. With debt management you are paying back all of your debts, just at a lower interest rate and hopefully at a pace and with an amount you can afford each month. With debt settlement, credit card companies may agree to "settle or "forgive" your debt for much less than the actual amount owed. Debt consolidation services actually could be considered to be closely related to debt management programs in that they actually consolidate or combine all of your unsecured debt into a single monthly payment, similar to what occurs with a debt management program.

You Have Choices

Overall, there is a variety - such as of debt reduction, debt help, or other services to help you become debt free. Each of them function a little differently, but each can serve a valuable purpose, depending on your situation. You may even have heard of Christian debt management services and wondered how they differ from your standard credit counseling agencies. Christian debt management organizations help people who are burdened with debt by providing financial management skills in accordance with principles found in the Bible.

Regardless of the debt management services company that you choose, it's important to clearly understand any fees that may be required for credit counseling or debt relief services. So before you decide to work with an agency offering DMP services, make sure you thoroughly check the organization and its fees. Also, make sure you have a good understanding of the money-saving benefits you hope to receive through a debt management program.

Request a free debt relief analysis and savings estimate in minutes. Start by answering a few, simple questions here.

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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.
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$30,000 debt relief savings estimate
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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
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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
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