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Benefits of Debt Settlement

Debt Consolidation vs Debt Settlement

Debt Relief vs Bankruptcy

Pitfalls of Declaring Bankruptcy

Reasons for Debt Consolidation

The Bankruptcy Process Explained

What Is Debt Consolidation?

What Is Debt Negotiation?

What Is Debt Settlement?

What To Do if You're In Debt






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Debt Relief is more important now than ever before. Across the country, millions of people are finding it more and more difficult to meet their financial obligations. As mortgage interest rates rise, Adjustable Rate Mortgage (ARM) payments skyrocket. Credit card late fees continue to climb higher. Lenders keep offering credit to people who are in desperate need of help, but this only prolongs the problem, and often ends up simply increasing the total debt owed by a person.

Get Debt Relief with National Debt Relief Today! Thankfully, there are a number of opportunities available if you find yourself in this situation. Debt Negotiation, Debt Settlement, Repayment plans, and Debt Consolidation are just some of the options you can pursue. However, not all debt relief companies and plans are the same. You need to find the right debt relief solution, and just as importantly, the right debt relief company, to work with in order to address your financial needs.

With all the debt-related offerings available, it can sometimes be confusing when examining the different debt relief programs and companies. When comparing your debt relief options, there are a number of important features you should consider. Some of these include:

  • Solutions.  Does the company only offer one debt relief solution? Or are they well-versed in a number of options? Having a variety of choices means they can find the right debt relief program that fits your specific needs.
  • Cost.  How does the debt relief company get paid? The best ones will earn their money from a percentage of what they save you; that way, they only get paid if you save money.
  • Dependability.  There are many fly-by-night debt relief organizations out there. How long has the company been in business? Are they affiliated with the BBB (Better Business Bureau)? Is this a company you can trust? has reviewed and ranked the best debt relief programs available today. We hope these reviews help you in your quest to become debt-free!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Debt Relief Reviews

5 stars
National Debt Relief

NATIONAL DEBT Best-In-Class Blue Ribbon Award

National Debt Relief is our top rated debt relief company. They are BBB Accredited, in business since 2007, and they've helped over 100,000 customers get out of debt. If your debt load is $7,500 or more, National Debt Relief is a great place to start. Read More... Visit

5 stars


The experts at CuraDebt can offer a comprehensive solution to address your debt issues. Their counselors are well-versed in debt settlement, debt consolidation, tax debt relief, and more. Specializing in individuals with $10,000 or more in unsecured debt, CuraDebt offers many options, from the start to the debt free end. Read More... Visit

4.5 stars
CareOne Debt Relief Services


CareOne Debt Relief ServicesSM offer professionally run, quality programs. If you have total unsecured debt between $2,500 and $10,000, this is an excellent option to pursue.
Read More... Visit

4 stars
American Debt Enders


American Debt Enders educates as well as provides viable, upfront, solutions to reducing your debt. Their free credit counseling service is informative even if you decide not to go with them. We liked the speed at which they work to negotiate your outstanding debt. Read More... Visit

3.5 stars
Lending Club


Lending Club provides personal loans in the amount of $1,000 to $35,000 and may offer more affordable lending rates than a traditional debt relief program. Lending Club is a leader in facilitating personal loans between borrowers and individual lenders. Read More... Visit

3.5 stars


Prosper is a personal loan network that brings together borrowers and individual lenders. Rates are typically lower than traditional banks but the loan is not guaranteed to be funded by lenders. The interest rates can be slightly higher than other personal loan companies. Read More... Visit

3 stars
Ready For Zero


If you are able to currently make your minimum loan payments, ReadyForZero is a helpful and affordable alternative to help eliminate debt. The website is easy to navigate and convenient for making monthly payments. ReadyForZero works with both secured and unsecured debt. Read More... Visit

3 stars
Savvy Money


Savvy Money has a unique approach for improving your finances without damaging your credit. The online calculator is interesting to use, but the advice given is pretty simple. Is it worth the monthly fee? Read More... Visit

2.5 stars
Franklin Debt Relief


At first glance Franklin Debt Relief looks like a professional option for your debt settlement needs. After looking closer we had concern with the lack of transparent information and their customer service team. Franklin didn't win us over with any aspect of their services or expertise. Read More... Visit

2.5 stars
Debt Consolidation Care


Debt Consolidation Care lacked the professionalism and training that we look for in companies that take over someone’s financial future. The website was out of date and very busy – void of the specifics of their services and attention to customer service. Read More... Visit

1.5 stars
Fast Track Debt Relief


Fast Track Debt Relief offers one debt settlement service for both business and personal debt. While the website was bright and attractive, it lacked the transparency we like to see related to fees and program specifics. We found several customer complaints related to Fast Tracks inability to successfully negotiate down debt but still taking fees, leaving the customer worse off than before. Read More... Visit

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What To Do When You Find Yourself Deeply in Debt

If debt is mounting and you continually find yourself struggling every month, it may be time to seek debt relief. An important part of selecting the best way to eliminate your debt is to realize when it's time to ask for help. Debt consolidation and debt settlement programs are both very popular ways to help consumers get out of debt in a short period of time, but are they right for you? Neither of these programs are available for people who are simply tired of paying their bills, but they are available to those who are already late with payments, have bills in collections or have had a sudden change in their income.

There are a number of non-profit organizations currently offering debt management services, which include both debt consolidation and debt settlement. Some companies may offer both, while others may specialize in one or the other. In order to be eligible for either of these programs, you must be able to show that there is not sufficient income to pay your bills as they currently require. If this sounds like your situation, debt relief may be just a phone call away.

If you are receiving calls from your creditor's collections department, speak with them openly and honestly regarding your situation. Once you have signed up with a debt management company specializing in either debt consolidation or debt settlement, inform your creditor(s) of the name and telephone number of the company. In most cases, this will stop the collection calls while the creditor verifies the information that you provided. By explaining the fact that you are working with a company who will be submitting a proposal on your behalf, most creditors will accept this information as your good faith desire to repay your debts. As the telephone begins to stop ringing, you will gain some much needed relief from the stress associated with being constantly reminded of your financial woes.

When a debt management company sends your proposed new monthly payments, interest rates and/or debt settlement offers, the creditor(s) will either accept or deny the offer. Within weeks, you will be informed of their decision and will have the ability to call the debt management agency to remain updated with creditor's responses. After 1-3 months of consecutive payments made through a debt relief agency, most creditors will begin to list your account as current with credit reporting agencies.

It is recommended that consumers check their credit report periodically in order to maintain the accuracy of the content and to prevent them from being a victim of identity theft. Each year, you are entitled to receive a free copy of your credit report from each of the three credit reporting agencies, including Equifax, TransUnion and Experian. If you enroll in a debt consolidation or debt settlement program, it's a good idea to check your credit report prior to enrollment and then again after six months. When you compare the two timeframes, you will likely see a great improvement as creditors begin to receive their payments and update your credit reports accordingly. If any of the information is inaccurate, you can file a dispute with the credit reporting agency and get the corrected version updated in a short amount of time.

Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Once you have faced your finances and made an important step toward eliminating your debt, your life will begin to improve right along with your credit score.




What Is Debt Consolidation?

“Drowning in debt? Give us a call today and we’ll get those creditors off your back for good!”

We’ve all heard the claims from debt-consolidation companies. The catchy television and radio commercials – promising to remove debt and make the endless phone calls from creditors stop – can be enticing for those who truly are drowning in debt. Desperate people can and do fall for these pitches every day, and end up with worse financial troubles than those with which they started.

The Better Business Bureau warns consumers against debt consolidation companies which make the following claims:

  • The ability to remove all debt
  • Warns clients against communicating directly with creditors
  • Offers to pay down debt for an upfront fee from the client
  • Asks client to pay a percentage of the total amount of debt being eliminated
  • The ability to remove negative marks on a client’s credit report
  • The ability to prevent bankruptcy

For every bogus debt consolidation company out there, a legitimate service exists that truly can help consumers who are overwhelmed with debt. But how do consumers tell the difference between a valid company and one that is just out to scam them?

To answer that question, a consumer must first understand what debt consolidation is and what it is not.

The way true debt consolidation is supposed to work is to take multiple sources of debt – such as from credit cards, mortgages, utilities and loans – and combines them into one manageable monthly payment. Properly combining debt can allow the consumer to still meet their financial obligations without draining their bank account each month.

True debt consolidation also should provide certain key benefits to clients who use a debt consolidation service.

One of the biggest benefits to debt consolidation is the reduction of interest rates on loans and credit cards. A big reason consumers get behind on payments and are unable to ever truly pay off debt is because they often are saddled with high interest rates. Even if they make the minimum payment each month, they may never realistically pay off the full amount due to compounding interest rates from month to month.

A quality debt consolidation service will make it a top priority to combine all debt and reduce the overall interest rate being applied to the monthly repayment process. If the company you have chosen does not offer this tactic, then they are not a company with which it is worth doing business.

Debt consolidators also should be able to combine all sources of debt into one monthly payment, and reduce or eliminate all late penalties and fees for their clients.




Debt Settlement May Increase Tax Liability Warns New Article by Chicago Bankruptcy Lawyer Richard Fonfrias
Addressing the misconception that debt settlement is always better than bankruptcy, Chicago bankruptcy lawyer and financial rescue expert Richard Fonfrias ( (, warns of the potential adverse tax consequences of debt settlement in a new article posted to his website.
Publication Date: January 26, 2015

Bankruptcy Attorney Charles Huber Gives Expert Advice on Repaying Debts With a 0% Interest Credit Card
With consumers facing an influx of offers advertising interest-free credit card deals, bankruptcy attorney Charles Huber explains why it's important to take advantage of these offers wisely
Publication Date: January 22, 2015

As Congress Anticipates the Delivery of President Obamas Education Reform Agenda, College Students Cant Afford to Wait With Next Months Student Loans Looming
Released on Friday on the heels of the State of the Union address, Making Money the Millennial Way challenges college students to get creative with an entrepreneurial approach to getting out debt, says author Abigail Widynski.
Publication Date: January 21, 2015

Freedom Financial Network Posts Record Fourth-Quarter, Year-End Results
Company negotiates $867 million of debt in 2014, increases debt resolutions 32 percent over prior year
Publication Date: January 21, 2015

NY Law Firm Reveals Website to Help Those Considering Bankruptcy
The Katzner Law Group unveils a new website designed to offer detailed information and guidance for New York families suffering with overwhelming debt.
Publication Date: January 21, 2015

Christian Financial Services Fights Against Predatory Lenders
CFS forms new non-profit with the Community Loan Center of the Rio Grande to fight against predatory lenders.
Publication Date: January 20, 2015

Almost 20 Million Creditworthy Americans Regularly Pay Interest on Credit Cards
Payoff finds paying off balances and investing the savings could mean $250,000 for retirement
Publication Date: January 19, 2015

National Debt Relief - Expenses That Derail A Budget Plan
National Debt Relief recently shared an article published January 14, 2015, on how consumers are unaware of the expense items that can compromise their budget plans. The article talks about how unchecked expense items in a consumers budget can wreck havoc in an instant.
Publication Date: January 15, 2015

Keeping or Closing a Business: Queens Bankruptcy Attorney Bruce Feinstein Esq. Works with Struggling Store Owners
Mr. Feinstein discusses factors to consider when determining the fate of a business, and the different uses for Chapter 7, Chapter 11, and Chapter 13 bankruptcy, at the start of a new year.
Publication Date: January 15, 2015

Amidst Rising Digital Danger, ACCC Provides Los Angeles Consumers with Tips on Surviving the New Digital Era
During an increasingly digital age, with more personal information being shared online, national nonprofit American Consumer Credit Counseling Inc. provides consumers with advice on avoiding identity theft
Publication Date: January 15, 2015

National Debt Relief Talks About Online Education
National Debt Relief recently shared in an article published January 12, 2014 how online education can actually come out more expensive than a traditional on-campus education. The article shares some insights about taking an online course that students would greatly benefit from.
Publication Date: January 14, 2015

UAE Tax Residents to Enjoy Better Tax Benefits While Funding Singapore Companies Now, says Rikvin in its New Guide
It explains how recent amendments to the Singapore-UAE Avoidance of Double Taxation Agreement will translate to more savings for UAE tax residents when they fund Singapore companies.
Publication Date: January 14, 2015

According to Survey from American Consumer Credit Counseling, Over 50 Percent of Consumers Feel Daily Financial Stress
Despite recent reports of uptick in consumer confidence, a recent survey from national nonprofit American Consumer Credit Counseling finds over half of consumers are worried about money every single day, and more than thirty percent do nothing to prevent their fear from happening.
Publication Date: January 13, 2015




Solve Your Debt Problems Today With National Debt Relief!

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