Debt Relief Strategies

Read an overview of each debt relief strategy and find out which is best for you.

Debt Relief Strategies

Has your debt taken on a life of its own? Ever feel like your income is spending itself, and you’re not really sure where the money is going? If so, don’t panic—you’ve officially joined thousands of Americans wondering how to get out of debt.

The good news is that you do have options, and there are many strategies to help you get your debt under control, no matter what your debt level is. Read on to find out which option may be right for you.

Credit Counseling

Credit counseling can happen at any time–when you open your first bank account or when you close your last credit card. In fact, it’s the first step of any debt relief program. Sometimes, all you need is someone else’s eye on your finances to help you see the big picture. Credit counseling can do that and, if you can afford your current monthly payments this may be the best place to start. Consumer credit counseling programs can lower your interest rates and consolidate your monthly payments, but there typically is no monthly payment relief.

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Debt Consolidation

Debt consolidation helps you to manage debt that has become too complex. Individuals who choose consolidation generally have several types of debt. If paying bills involves multiple creditors, several online sites and a few written checks, debt consolidation may be a good choice for you.

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Debt Settlement

Debt settlement can help you pay off debt faster than you might otherwise, and often for less than you owe. The largest benefit, however, is that it works with what you can afford. You can breathe a sigh of relief knowing you are taking care of your debt without further financial hardship.

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Cash-Out Refinance

If you’re a homeowner and considering debt consolidation, cash-out refinancing may be the better choice. Lower interest rates, longer terms, and often better financial situations can come out of this debt relief strategy.

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Bankruptcy

When other methods of debt relief are unavailable, bankruptcy may be the best option to become debt free. Although it’s often thought of as the bad boy of debt relief, it’s not all doom and gloom. There is a light at the end of the tunnel. Please consult a bankruptcy attorney for advice.

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Debt Happens

Understand, you are not alone. Millions of Americans struggle with financial burdens. But unresolved debt doesn’t have to mean stress and frustration. There are options, and those options cover any financial situation in which you may find yourself.

Start with a free, no obligation phone call with one of our debt professionals. Find out what options would best help you step onto the road of financial freedom.

It’s not time to guess.

You wouldn’t close your eyes and pick a random mortgage or car loan, hoping it’s the right choice. Don’t do it with your debt relief strategy. Call our experienced debt professionals for a free consultation and get all the information you need to make the right choice. Don’t guess, be informed. We can help!