Debt Relief Services

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No debt problems are unsolvable. It might not be easy or quick, but there's always a route. And the earlier you deal with them the easier they are to deal with.

Debt isn't just a finance issue. It feeds into all elements of your life. So solutions are wide and varied; from cutting interest costs, budgeting, or simply getting free one-on-one debt help.

If you really want to get your finances back in order and your creditors off your back, you need to:

Student Loan Forgiveness

Student loan forgiveness for public servants is the federal government’s way of giving people who are serving the community a break. You can consolidate your debts to lower your payments now, then the remaining balances are forgiven on your debts after you make 120 payments. Learn More

Debt Consolidation Loan

A debt consolidation loan is fundamentally a home equity loan that can be used to pay creditors. For this reason, homeowners may find a debt consolidation loan well suited to their needs. When debt is consolidated into a single loan interest rates often decrease as well, a considerable advantage for most consumers. However, a debt consolidation loan will convert unsecured debt into secured debt.

Request a loan for as little as $2,000 or as much as $35,000 and get an exclusive .25% rate discount.

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Credit Counseling

Consumer Credit Counseling Service (or CCCS) is another alternative offered by private companies to help a consumer erase his/her debt. These companies offer a wide range of services including budget planning, financial advisement, and debt management plans. The CCCS would help restructure inertest rates and monthly payment amounts with creditors, then take payments from a consumer and distribute them accordingly. There are disadvantages to CCCS however. CCCS are long term commitments, usually around five years. During this time it can be difficult to obtain loans and depending on your creditors, a CCCS may be unable to markedly reduce monthly payments.

Debt Settlement

Debt settlement services work by establishing lump sum settlements with creditors. A debt settlement firm will work with you to negotiate these lump sum values, which are often a fraction of your principal balances. While these programs are relatively quick, regularly completed in three to four years, there are considerable drawbacks. A debt settlement will cause significant damage to a consumer’s credit for the duration of the program, and often a few years afterwards as well. With a debt settlement plan consumers are also vulnerable to collection efforts, in the form of phone calls, lawsuits or other confrontation.


Often viewed as a last resort, bankruptcy is the liquidation of a consumer’s assets and liabilities. While bankruptcy isn’t considered debt consolidation, it is a valid method of debt relief. Chapter 7 bankruptcy entails the complete eradication of debt and financial assets. However, many consumers are forced to file Chapter 13 bankruptcy, which specifies that at least a portion of the original debt must be paid over the period of several years. Bankruptcy is quite different from other avenues towards debt freedom so be sure to discuss with a bankruptcy attorney before making any resolute decisions.


We must strongly urge every consumer to not let their debts default. For many reasons, this is the most damaging outcome. If creditors are unable to collect payments, they will likely defer the responsibility to a collection agency. These collection agencies are much more prone to confrontation and threatening behaviors than credit companies. Defaulting on any debt also deals significant damage to a consumer’s credit score and makes it much more difficult to borrow money in the future.

When paying off any debt owed, it’s important to remember these four factors:

  • 1. Monthly payments
  • 2. Time
  • 3. Total cost
  • 4. Credit rating

Our panel of consolidation specialists are on hand to answer any questions that you have. You can contact them by filling in the form at the top of the page. They should be back in touch with you very soon and you can start your road to financial freedom!

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