The Center For Debt Management
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Debt Solutions To Get Out of Debt
Request a FREE Debt Consultation

Take Advantage of Free Debt Counseling!
Regardless of the Amount of Your Debt

A FREE Debt Consultation will provide you with debt advice on debt management, debt settlement, debt consolidation loan, bill consolidation, dealing with collection agencies, payday loans and other financial matters. Take advantage of a free debt counseling session and bail yourself out of the stressful situation.

Simply complete the form on the right-hand side and a certified debt counselor will call you to discuss your financial situation and advise you on your best course of action. Unlike most debt agencies, help is available regardless of the amount of your debt or where you live in the United States. In addition, there are a variety of programs and services available to ensure that you resolve your financial hardship!

What to Expect after Requesting a Free Consultation

  • A certified debt consultant calls you over the phone for a free debt assistance session. He or she evaluates your financial situation in order to suggest the right option for you.

  • Should you agree to what the consultant suggests, a company staff professional will start negotiating with your creditors. Negotiation is meant to lower interest rate on your bills and waive off any late fees. This is to ensure that you can afford payments and pay off debts faster. You can also avoid harassing calls from creditors and collection agencies.

  • The consultant will guide you to manage your finances in a better way. During the process, he'll also help you to budget your expenses and improve your credit score.

Is Debt Consolidation Good or Bad?

A debt consolidation program is a great option for consumers looking to pay off their debt and start living a life of financial freedom. The program will help you to pay off debts within a period of 4-6 years depending upon how much you actually owe your creditors. A debt consolidation company or law firm works out an affordable payment plan with your creditors. The purpose is to cut down your interest rates so that you can meet up with the payments as well as save you thousands of dollars. With loan consolidation, you can also have your late fees and over-limit charges reduced or eliminated.

6 Ways To Pay Off Debt

A debt consolidation program is no doubt one of the smart ways to pay off debt. However, there are 6 other options to help you manage your bills and pay off debt.

Debt Settlement: A negotiation process through which you can pay off your debts by typically using a debt settlement companies. These companies will negotiate with your creditors thereby reducing your outstanding balance, typically by 40%-60%. Settlement prevents you from being harassed by creditors and collection agency. It may also help you avoid judgment, wage garnishment and other legal actions taken by creditors or collection agency.

Debt Management: This is a debt management program in which a consumer credit counseling agency helps you to pay off debt through a payment plan negotiated with your creditors. While you're in a debt management plan (DMP), your creditors may cut down interest rates and reduce and waive off late fees. This is to ensure that you can pay off debt without getting into further trouble.

Bill Consolidation: This plan is helpful especially when you need to consolidate bills. Under this program, a loan consolidation company negotiates with your creditors or collection agency so that they allow you to pay off debt at low interest rates. It helps you to consolidate your dues into an easy-to-manage monthly payment. When you're consolidating your debt, creditors may be willing to reduce or waive off late payment fees and penalty charges incurred on your accounts.

Debt Consolidation Loan: This is a kind of personal loan which helps in consolidating your debt into a single monthly payment. That is, you pay off debts with a large amount of consolidation loan. This loan can then be paid back in small monthly payments. However, bad credit debt consolidation loans are hardly available. This means if your credit is tarnished, you may not be eligible for a consolidation loan.

Christian Debt Consolidation: This is similar to debt consolidation services except that it involves Christian values while helping you to pay off debt. Not all Christian consolidation services may offer you free debt consolidation. This means, they may charge you a certain fee when you enroll in their program.

Self Repayment Plan: It's an option which helps you to pay off debt without any professional assistance. All you have to do is, assess your financial situation, prepare a budget and follow a repayment plan accordingly. Budgeting helps you to avoid overspending and save dollars thereby giving you the chance to accumulate free money to pay off debt. While you're on a self-repayment plan, avoid using credit cards as it'll add on to your outstanding balance. Try to maintain a frugal lifestyle while you're paying off debt.

If you are deep in debt and need immediate professional help now, we recommend that you complete the form at the top of this page. By requesting a FREE Debt Consultation you will be able to speak to a certified debt counselor who can answers all of your questions and find an appropriate solution to resolve your debt.

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