There are 3 approaches to debt consolidation for unsecured accounts: debt settlement, credit counseling and credit card consolidation. The last two deal with reducing the interest rate of your debt load. Debt Settlement, however, addresses the issue of reducing the principal of your total debt load by up to 50%. Reducing the principal can result becoming debt free in just 1-3 years at your current monthly payment rate, possibly lower. By reducing the interest rate alone results in debt free status in 7-12 years or usually even longer at your current monthly payment rate. Debt Settlement saves you the most time and money towards paying off your accounts.
- Debt Settlement - Debt settlement provides a debt relief strategy that saves you a lot of time and money towards paying your accounts off. A Certified Debt Arbitrator is able to negotiate a settlement on your accounts on your behalf with the creditors. For a free consultation with a certified debt arbitrator fill out the form on the right.
- Credit card debt consolidation - A form of debt relief by taking out a new loan, using the loan to pay off your accounts, and then you're left with the loan to pay back. A debt consolidation loan is very difficult to qualify for because it is a secured loan. This means that you have to put up enough collateral to obtain the loan. Let us help you find the best rate you can qualify for by simply filling out the form on the right.
- Debt counseling - A consumer credit counseling service (CCCS) is a program where you are working with a non-profit organization who will help you lower your interest rates on your behalf with the creditor. Please keep in mind that though they are a non-profit organization this does not mean that they work for free. The truth is that they receive stipends from the credit card companies for each client that they bring in. In reality this means that they work for the credit card companies and have their best interests in mind and not your own.
