Finding Debt Relief

Sometimes debt simply gets out of your control. When you have too much credit card debt and are struggling just to get by from month to month, you need to find a solution to help get your finances back on track. There’s no one right answer to a debt problem, but with the right information you can make the best choice to help you find debt relief so you can get your financial future back on course.

If you have questions about which debt relief option is right for your unique financial situation, give us a call at 1-800-990-9838. A certified credit counselor can assess your debt with a free consultation and provide information on the various options you have available to get out of debt.

 

Debt Negotiation

Debt negotiation can provide debt relief by allowing you to negotiate with each of your creditors. You may be able to work with your creditors individually to reduce your interest rates, waive penalties and fees, or devise a payment plan that will allow you to pay back what you owe in a more manageable way for your monthly finances.

Find tips to help negotiate with creditors

 

Balance Transfers

A balance transfer is a useful do-it-yourself debt relief option that allows you to move debts from high interest credit cards to a credit card with a lower interest rate. At a lower interest rate your monthly payments may be reduced, so you can pay your debts and get your finances back on track.

Learn the ins and outs of balance transfers

 

Debt Consolidation

Debt consolidation refers to the process of combining multiple high-interest debts into a single sum with a lower monthly payment. You have a few options when it comes to debt consolidation, including taking out a debt consolidation loan and enrolling in a debt management program. You pay your debts back in full, but you get debt relief for your monthly finances.

Know your options for debt consolidation

 

Credit Counseling

A certified credit counselor is an expert at understanding problems with too much credit card debt and finding solutions based on each client’s specific financial situation. You don’t have to face debt problems alone. Learn how credit counseling can provide the debt relief and the peace of mind you need to get on a path to a brighter financial future.

Credit counseling can help you find relief

 

Debt Settlement

If your credit card debt problems have gone beyond the point where you can afford to pay back your debts in-full, debt settlement options may be able to help you settle your debts with creditors for less than you owe. There are downsides to debt settlement, but you can avoid bankruptcy and start rebuilding your finances for a better tomorrow. 

Get more information on debt settlement

 

Bankruptcy

If you’ve explored all your other options and you think bankruptcy is the only solution you have left, learn what you need to know about bankruptcy so you can be better prepared for the road ahead. Bankruptcy is a major financial decision, but it doesn’t have to be the end of your financial world if you handle it correctly.

Things to know before declaring bankruptcy