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When you're in debt, it can be difficult to see your way out. Fortunately, there is plenty of help available and you have a number of options. Unfortunately, there is no one solution that is right for everybody.

BBB Approved Credit Counseling Agencies that provide the Debt Management Service have helped over 2 million people, however, and many of them found a Debt Management Plan to be the best solution for them. Before you decide, study the pros and cons of the various debt relief options. They can help you sort through the options and make the right choice the one that best meets your needs.
  1. Self-Help Options  (Get free help Online)

    Work with creditors directly to lower interest rates or fees, and negotiate payment plans with each one. Pros :-
    • Could save on some fees or costs common to other debt relief programs.
    • May reduce your total amount of debt owed.
    • Will not negatively impact your credit.

    Cons :-
    • Not likely to provide the same savings as a creditor-recognized debt solution.
    • Can be extremely time-consuming.
    • Does not consolidate debt into one monthly payment.

    Reqeust free help now


  2. A debt repayment plan between you and a Credit Counseling Agency (CCA).  (Get free help Online)

    Pros :-
    • Can drastically reduce interest rates and eliminate late fees.
    • Potential to save up to 57% on your monthly payments.
    • Doesn't adversely affect your credit history.
    • One consolidated payment.

    Cons :-
    • You may not take on any additional debt while on the program.
    • Requires an average commitment of 3-5 years.

    Reqeust free help now


  3. Debt Consolidation Loans  (Get free help Online)

    A loan secured by the equity in your home and used to pay off high-interest, unsecured debt, such as credit cards.
    Pros :-
    • Consolidates your debts at a lower interest rate.
    • Will not negatively impact your credit.
    • One consolidated payment.

    Cons :-
    • Requires a significant amount of home equity.
    • Could put your home and other secured debt at risk.

    Reqeust free help now


  4. Debt Settlement  (Get free help Online)

    A negotiated agreement with your creditors to "settle" your debts, often for significantly less than what you currently owe.
    Pros :-
    • Reduces the total amount you owe to your creditors.
    • May get you out of debt quicker than other programs.

    Cons :-
    • Often requires a large, lump sum cash payment.
    • Negatively impacts credit, since you are not actually repaying your entire debt.
    • Creditors may continue to harass you by telephone.

    Reqeust free help now


  5. Bankruptcy  (Get free help Online)

    A legal process that completely eliminates most debt while protecting certain core assets from seizure.
    Pros :-
    • Most debts are eliminated or restructured under court protection.
    • Key assets can be protected.
    • Relatively quick solution.

    Cons :-
    • Will negatively impact your credit and limit access to credit for up to 10 years.
    • Could require you to sell or liquidate unprotected assets.
    • Bankruptcy requires an attorney and may stay on your credit report for up to ten years.

    Reqeust free help now



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