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Debt Relief, Consumer Credit Counseling and Debt Consolidation Service

Get debt reduction through Debt Relief, or consolidate debt using Consumer Credit Counseling service or through a credit card debt consolidation loan.

If you have excessive debt and likelihood of substantial income is low, bankruptcy may be an option for you. Under proposed bankruptcy reform, you may be required to go through Consumer Credit Counseling before filing for bankruptcy. Click here for more information on our Consumer Credit Counseling services If the debt load is medium, please explore debt relief and Consumer Credit Counseling, and choose one. For smaller debt loads Consumer Credit Counseling is the best, since debt relief might not be cost-effective for you.

Americans are in debt up-to their eyeballs. Estimated outstanding debt is $1.98 trillion -- more than $18,000 per household. An average credit counseling client is in his/her mid 30s, has $30,000 in annual income, $23,000 in debt, excluding housing costs, and owes to 10 creditors. More than 1.4 million people file personal bankruptcies annually. According to Consumer Federation of America, approximately 9 million people seek debt and credit counseling assistance annually.

Debt reduction and Credit counseling services are financial hardship programs. If you have financial difficulties, eliminate credit card debt by joining a Credit Counseling service. Get non-profit, 100% online debt relief. Click here for more info

Credit Card Debt Relief

If you have more than $15,000 unsecured debt, access to ready cash, then you can reduce your debt by 20% to 60% using our debt relief program. Typical savings is approximately 50%. Your savings will be different. Fill-out our Debt Relief Form to learn more.

Any reduction in the principal amount due to debt relief, other than bankruptcy, is considered taxable income and you may owe taxes on the forgiven amount to the IRS. Please check with the IRS or consult a tax accountant/attorney.

Debt relief program discussed above requires upfront cash for early payoff. If you do not have the required cash, you can join a non-profit credit counseling program to reduce your interest rate and monthly payment. There is no upfront fee to join our credit counseling program and you can join on-line now!

Consumer Credit Counseling

If you have minimum $2,500 unsecured debt, a regular income and a lower monthly payment will help you manage your finances better, then reduce your debt now -- join a consumer credit counseling Service today. Click here for more information.

Credit Card Debt Consolidation

You can consolidate high interest credit card, and other unsecured debt into one loan at a lower interest rate by taking out a home equity loan. But, most financial advisors will advise against converting unsecured debt into secured debt. So, before you take out a home equity loan and payoff your credit card debt explore other options to settle your debt.

You can consolidate all unsecured debt into a single payment at a reduced interest rate. Our non-profit debt consolidation service has no upfront fee. Debt consolidation can save thousands of Dollars. Learn more.

Heavy debt means poor FICO score. FICO ranges from 300 to 850. FICO Score depends on payment history (35%), amount owed (30%), length of credit history (15%), new credit (10%), and types of credit (10%). Download credit score booklet, and learn to repair your credit today! Stop Living with Bad Credit, get professional help now!

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