If you are having difficulty paying off your debts, don’t despair - debt help is available. There are a few different solutions, and we will help you find the one that’s right for you, based on your situation.

Every day, more and more Americans are finding themselves trapped by the amount of money they owe and need debt advice. Foreclosures are at an all-time high, and bankruptcies are also on the rise. The interest rates on most credit card debt are so high that virtually none of the monthly minimum payment goes to paying down the principal debt – almost all is purely interest.


What are my Debt Solutions?

Debt Settlement, also known as Debt Negotiation, is a type of program for consumers who are overwhelmed with unsecured debt. It is an alternative to bankruptcy for people with substantial unsecured debt and little ability to pay it off on their own.

A debt settlement program may settle each account for a reduced amount. In some cases, depending on the total amount owed and your ability to pay, it usually takes somewhere between 6 and 48 months to completely settle and pay off the debt. Typically, Debt Settlement allows debtors to pay off their debts in a shorter time than Consumer Credit Counseling because the amount owed (principal) is reduced, not just the interest rate.

Is Debt Settlement right for you?

If you cannot make all of your monthly payments each month, or cannot pay more than the minimum monthly amount to reduce the principal, then Debt Settlement may be right for you. If you are considering bankruptcy because of your debt, and want to avoid it, then Debt Settlement is something to consider. Please be careful when choosing a Debt Settlement Company. Ask for references, check with the Better Business Bureau, Rip Off Report, and State Government Agency websites before signing any agreements or making any payments to a particular firm


Debt Consolidation

Debt consolidation, which is also known as Consumer Credit Counseling, can give you some relief. A debt reduction program allows debtors to pay off their debts in a much shorter period of time – usually five to seven years. And, for those debtors who are already behind on their payments, and receiving phone calls and letters from their creditors, joining a Consumer Credit Counseling program may help.

A debt consolidation program is usually facilitated by a non-profit Consumer Credit Counseling (CCC) company. The CCC has structured relationships with some creditors that enable their clients to pay off their debts at a much lower interest rate. With debt relief, the debtor can pay less then what they're currently paying. Since a monthly minimum payment to a credit card company is almost all interest, lowering the interest rate cuts the monthly payment. And, a greater percentage of what is paid goes to reducing the amount owed, rather than to servicing the debt.

Is Consumer Credit Counseling right for you?

If you are having trouble making your monthly payments, or if you have been making them every month but cannot pay enough to reduce the total amount you owe, Consumer Credit Counseling may be right for you. Please research any company before joining a program like this and check with consumer protection agencies to find out if the firm you are considering is in good standing.

Start Enjoying Quality of Life Household Expenses:

Eliminating unneccessary debt will give you the extra cash to have security and comfort in your home. It will be easier to make that monthly payment for Satellite Television Service for example. Often times you can switch from Cable TV or Direct TV to Dish Network as a new subscriber and get a discount on Satellite TV.