If you’re a consumer struggling to make your monthly debt payments, you can find relief through a debt management solution like
debt consolidation, debt settlement, or credit counseling.
Debt consolidation combines your credit card debt, medical debt, personal loans, and payday loans into a single monthly
payment. A debt consolidator negotiates with your creditors on your behalf to lower your interest rate and minimum payment into
something you can afford. We negotiate directly with your creditors, so you won’t need to get a debt consolidation loan to get relief.
Video: How to consolidate debt
Debt settlement reduces your overall debt load through negotiations with your creditors. Your debt can be reduced by 40% to
60% in many cases, making it easier for you to pay off your debt completely.
Credit counseling can also lower your monthly debt payment by negotiating with your creditors and creating a debt management
plan. Credit counselors help you create good financial habits like setting a budget, paying your bills on time, and being smart about
debt. While they help you get out of debt,
credit counselors also help keep you from getting into debt in the future.
When you start a debt consolidation or credit counseling plan, you won’t receive any more debt collection calls. If you stick with
the plan, you can be completely debt free within 3 to 5 years.
What Debt Feels Like
Lying awake at night, you juggle your debts in your mind while working and re-working your income and expenses to find even an extra
dollar to put toward your debt. You literally gasp for air as you feel the chains of debt tightening, closing off your air. It just
Sleepless nights make your days exhausting. Between the fatigue and stress about debt, you can barely get any work done. You only
hope your boss and co-workers don’t notice and don’t ask questions.
Paydays come and go, but there’s no joy in them. Your paycheck is spent as soon as it comes and you contemplate taking out one of
those payday loans you hear people advising against. Those people must actually have enough money to cover their bills.
You don’t answer ringing phones, because you fear it’s just another bill collector, calling to hassle you about paying bills. They
call throughout the day, well into the night. They even harass your family and friends. Could it get any worse? Is there any hope?
Video: Health effects, debt stress
Frightening Debt Statistics
You’re not the only one struggling with high debt. Look at these statistics from the U.S. Census Bureau.
In 2008, the average household carried almost $8,700 in credit card debt.
In 1980, consumers had a total of $355 billion in debt. By 2008, that number increased by more than seven times to a staggering $2.6 trillion.
The average American owns 9 credit cards with the average credit cardholder carrying $5,000 in credit card debt. That number is expected to increase to $6,200 by 2010.
As of the 2000 census (the last one conducted), 70% of homeowners have a mortgage and 22.6% of them have a second mortgage.
Debt has become a way of life for many Americans, but you don’t have to continue to lead a life laden with debt.
Benefits of Debt Consolidation
Handing your debt over to debt consolidation will give you instant relief. Immediately, debt consolidators start working to rescue
you from debt. You have direct access to all the benefits of debt consolidation the moment you sign up.
One monthly payment. Forget writing several checks each month to different payments to several different credit card issuers and other
bill collectors. Debt consolidation lets you manage just one payment for all your bills. No more will you have to juggle several
different billing statements and payment amounts. Under debt consolidation, it’s much easier to remember your due date, eliminating
late fees and interest rate penalties.
Lower interest rate on your debts. Through debt consolidation, you can have your interest rates slashed by between 50% to 100%
(varies by creditor). You could save hundreds, possibly even thousands, of dollars in interest charges by the time you pay off
your debts completely.
Faster debt pay off. If you made the minimum payments on your credit cards and other bills without
debt consolidation it would take
years to pay off all your debts. Because debt consolidation lowers your interest rate and minimum payment, you could be out of debt
in as few as 2 years, as long as you stick with the program. Most people pay off their debts between 2 and 5 years.
Improved credit score. Paying your credit cards responsibly through our debt consolidation program helps you build months of positive
payment history – the single most important factor in your credit score. After you’ve successfully completed the program you’ll have
years of positive payments added to your credit history and a better credit score to show for your dedication.
Video: Raising credit scores
No more debt collection calls. Once you’ve enrolled in our debt consolidation program and your accounts are brought current, you won’t
have to worry about annoying phone calls from debt collectors trying to get you to pay. Finally, you can have your phone back.
What Happens When You Fill Out Our Form or Call Us
After you fill out our debt counseling form, one of our debt consolidation counselors will call or email you to discuss what’s best
for your situation. We’ll work to understand your total financial picture and together, we’ll decide the best solution for you.
We’re open late to make it convenient for you to call us for free debt relief counseling. No matter how long it takes, our debt
counselors will spend all the time necessary to completely understand your finances. Regardless of your credit, there’s a debt consolidation
solution that’s fit just for you.
You don’t have to be enrolled in our debt consolidation plan to get free counseling services or to attend our free debt seminars. Our
debt counselors are part of a 501(c)(3) Non-Profit Organization. Call us today at 1-877-550-0595 to get free information from a
professional debt counselor.