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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.




More debt relief possible if Greece meets criteria - Dijsselbloem
Euro zone ministers could consider further debt relief measures for Greece if the country meets all the criteria specified in the November 2012 decision of euro zone finance ministers, Eurogroup head Jeroen Dijsselbloem said on Tuesday.
Publication Date: Tue, 24 Feb 2015 02:19:03 -0800

National Debt Relief Explains The Two Types Of Reserve Funds
National Debt Relief recently shared in an article published February 19, 2015 the two main types of a reserve fund. The article talks about how an emergency fund and a rainy day fund has the same financial objective but differs in a lot of ways.
Publication Date: March 01, 2015

Debt relief for Greece 'won't change much': Bundesbank
Additional debt relief will not help pull Greece out its current crisis, the head of the German central bank or Bundesbank, Jens Weidmann, said on Thursday. Because the average maturity of Greece's debt "is quite long and the average interest rate quite low - as is the current annual level of debt servicing -- further debt relief would not really change Greece's liquidity situation by much ...
Publication Date: Thu, 12 Feb 2015 10:45:10 -0800

McIntyre Investment Properties Expands to Houston, Texas, and Provides Immediate Relief for Area Homeowners
McIntyre Investment Properties expands to Houston, Texas, to help area homeowners get out from under crushing mortgage debt. Providing sound financial solutions, the expansion brings the Space Citys distressed homeowners much needed relief.
Publication Date: February 24, 2015

Pattaya Mail
BANGKOK, 3 March 2015 - The Cabinet meeting today is expected to consider urgent road development funding and a debt relief program for farmers. The Ministry of Transport will receive 40 billion baht if the Cabinet approves its infrastructure proposal.
Publication Date: Tue, 03 Mar 2015 01:08:54 -0800

Queens Bankruptcy Attorney Bruce Feinstein, Esq. Shares New Protections Against Debt Collection Abuse in New York
New legal protections against debt collection will help New Yorkers who are filing for bankruptcy or in debt.
Publication Date: February 25, 2015

Ukraine's Next Battle Zone Is Its Economy
This is going to take an epic debt-relief dealthat may prove no less challenging than containing the Russia-backed insurgency. A brutal combination of war and currency devaluation has pushed Ukraine to the brink of insolvency. Its debts, denominated largely in dollars, hover around 100 percent of gross domestic product, up from about 40 percent a year ago and well above the 70 percent level ...
Publication Date: Mon, 02 Mar 2015 21:01:07 -0800

National Debt Relief Talks About Repairing A Credit Score
National Debt Relief recently shared in an article published February 19, 2015 how consumers can repair their credit scores rather easily. The article takes a look at the number of ways people can repair their credit scores with ease.
Publication Date: March 02, 2015

National Debt Relief Gets an A+ Rating from New York Better Business Bureau (BBB)
NEW YORK, Feb. 26, 2015 /PRNewswire/ --National Debt Relief (NDR), one of the leading debt settlement companies in the country recently got an upgraded Better Business Bureau (BBB) rating., a trusted business review website is committed to providing customers with an unbiased reflection of a company's reliability and trustworthiness. Based on the page of National Debt Relief on the BBB ...
Publication Date: Thu, 26 Feb 2015 05:30:00 -0800

ACCC Offers 5 Steps to Protect Yourself from Identity Theft
During National Consumer and Protection Week, national nonprofit American Consumer Credit Counseling provides consumers with tips to minimize the threat of identity theft.
Publication Date: March 04, 2015

IMF okays $187 mn to support Ebola-hit Sierra Leone
The International Monetary Fund approved on Monday funding and debt relief worth about $187 million for Ebola-hit Sierra Leone. Sierra Leone is one of the three West African countries most severely hit by Ebola, which has killed more than 9,500 people since the epidemic emerged in Guinea in December 2013.
Publication Date: Mon, 02 Mar 2015 16:01:20 -0800

McIntyre Investment Properties Helps Houston Housing Market Gain Momentum
McIntyre Investment Properties' timely expansion to the Space City proves helpful for distressed homeowners. Offering a network of investors able to provide immediate relief, now all Houston homeowners can join in the areas record housing sales.
Publication Date: March 03, 2015

IMF offers Ebola-hit countries $100 mn debt relief
The International Monetary Fund announced Thursday $100 million in debt relief for the three West African countries struck hardest by the Ebola epidemic. Managing Director Christine Lagarde said the move made the Fund the first multilateral institution to help ease the debt burdens of Liberia, Sierra Leone, and Guinea, and said others needed to follow suit. "I'm calling on the international ...
Publication Date: Thu, 05 Feb 2015 13:44:20 -0800

National Debt Relief Shares Tips To Save Funds Around The House
National Debt Relief recently shared in an article published February 21, 2015 how consumers can find ways to save some funds around the house. The article looks at simple tweaks in the way people live to create some wiggle room in household budget.
Publication Date: March 04, 2015




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