What can our credit card debt relief services do for you?
Our debt settlement counselors will work with you directly to provide you with a program that is
accommodating for your specific financial needs. You will be making a single
monthly payment that is comfortable for you.
Our goal is to have you debt free within 12-36
months while alleviating you of the emotional stress and financial burden that comes along
with credit card debt. Our arbitrators have been helping consumers become debt free by negotiating with creditors for over 6 years. We provide debt negotiation, debt reduction, debt help, debt settlement, and debt relief for all Americans experiencing medical or financial hardship.
Why consider our debt settlement program over bankruptcy?
People often think that bankruptcy is the only way out after accruing a significant amount of
debt. But the fact is: Bankruptcy is
very damaging to your credit score as well as your credit worthiness. After filing for bankruptcy, getting new credit will be impossible and interest rates for any loans, credit cards or mortgages will be extremely high.
Your credit score will drop to the very bottom for 7 years and you won't be able to make any major purchases for a while. You will still be responsible for most of your credit card debt while suffering the consequences of bankruptcy. With our program you can be debt free in 12-36 months without suffering the 7 year stigma of bankruptcy and all the negative side effects that come along with it.
Who qualifies for our debt relief program?
You can save money and become debt free in no time if you meet these simple requirements:
| • $5,000 or more in unsecured debt. |
| • Have a source of income. |
| • Have at least one qualifying account. |
- Reduce DebtsReduce Debts
Reduce Your Debts
We will negotiate your unsecured debts for a fraction of your total debt. Our debt settlement specialists have been negotiating with creditors for over 8 years and have successfully completed debt settlement programs for thousands of clients experiencing medical or financial hardships.
When settling your debts, we negotiate for as low as 40 cents on the dollar and are able to eliminate all interest rates. Creditors are willing to negotiate with debt settlement companies like ourselves because of the bulk amount of accounts we deal with and they usually give us very low settlement rates. Each of our debt settlement arbitrators has gone through a special training program and is certified with the International Association of Professional Debt Arbitrators (IAPDA).
We are proud to be a reputable and reliable debt relief company that our clients can trust and count on during their debt settlement program.
We have worked hard for our A+ rating with the Better Business Bureau and will continue working even harder to continue providing debt relief and debt settlement at the highest standard.
- Low Payments
Lower Your Monthly Payments
We provide you with a payment that's affordable for you and gives you immediate comfort on a month-to-month basis. Our debt relief program is built to:
• Help get your finances in order
• Have one of our debt settlement specialists customize your debt settlement plan
• Establish a simple and suitable budget
As a debt settlement company, we are here to provide you debt relief and that's why our programs are very flexible. You can always pause the program if you're experiencing hardship or you can make a larger payment (with no pre-payment penalty) to speed up your debt relief program and get out of debt sooner, giving you and your family peace of mind!
Whether you need debt relief, medical bills relief or personal loans relief our debt settlement program can help reduce the total amount you are paying monthly for each debt, combine all the payments into one, eliminate the interest rate and have you living debt free within 12-36 months.
We have expert debt settlement counselors who can provide budgeting and savings techniques to minimize your spending and maximize your savings from paycheck to paycheck. Before you know it, you’ll have thousands of dollars saved in your savings account and most of your debt paid off, giving you the freedom you’ve been looking for to relax, take vacations and focus your attention and strength on other important things in your life.
- Your Future
Life After Debt Settlement & Other Debt Relief ProgramsHere at Debt Free Counselor, we believe it’s very important to continue a debt free life after completing our debt settlement program. We always emphasize the need to continue with the same mindset you had when you entered our debt settlement program: motivated and ready to make changes. Although it may seem like your goal was completed and your future is a debt free, smooth sailing ship, we want to kindly remind you that you’re almost right. What we mean is that although you’re right about your future being free of debt, your goal is not yet complete and the next step is just as critical as was your first. Debt settlement may have rid you of the stress and burden that came along with debt, but now you must take action to prevent it from happening again and forcing you to go through another debt relief program. Another option you have after finishing a program with our debt settlement company is to hire a credit repair company to remove all of the debt settlement comments left on your report like: paid as agreed, settled, reduced, etc. This process will expedite the healing process and will improve your credit score in as soon as 2-3 months. We’ll always be there to help and we always advise our debt settlement clients to do what they think and feel is best for their financial health. Even though our debt settlement and other debt relief programs will always be there to help you out, we won’t feel like we truly did our jobs until we see you thrive by getting back on your feet and come back stronger and better.
Here are a few ideas and techniques you should consider:
| a) Do not use credit cards for at least a year after you complete your debt settlement program. |
| b) Make sure to pay all of your bills on time and, if possible, even earlier. |
| c) Try to stick with only secured debts and loans like a mortgage or car. |
| • Secured loans increase your credit score faster because they hold more weight. |
| • If you’re interested, some banks offer secured credit cards by having you pay an initial security deposit. |
| d) Avoid all major purchases and applications for loans while rebuilding your score. |
| • Loans that are available to you while you have a low credit score will usually have a higher interest rate costing you more money, resulting in higher risk. |
| • Too many applications will result in a decrease in credit score (5 or more in a year). |
| e) Work out a weekly or monthly budget to figure out where and when you spend the most and if it’s possible to reduce any expenses and costs. |
| • Get rid of any unnecessary bills you may have like add-on cellphone or electronics plans, shopping for non-essential items, going out often, etc. |
| • Lower your spending, if possible, when going out, using electricity, etc. |
- Blog
Debt Relief News & Articles
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Debt Settlement and Credit Card Debt Relief Prevent Aging!
• We all know that stress causes aging and anything stressful should be eliminated from our daily lives. This is why we’re happy to inform you that our debt settlement and credit card debt relief programs are the answer to anti-aging! … Continue reading →
Debt Relief Programs – Debt Settlement vs. Debt Consolidation Loans
• A lot of people don’t quite know the difference between a debt settlement program and debt consolidation loans. Both are forms of credit card debt relief and debt relief for other debts like personal loans and medical bills. The biggest … Continue reading →
Credit Card Debt Relief Gets You Debt Free in 36 Months or Less
• We know how taxing being in debt can be mentally and emotionally, that’s why our credit card debt relief programs don’t last longer than 36 months. Our top priority is to get you debt free and our debt settlement programs … Continue reading →
Debt Settlement Is Available For Anyone with Hardship
• To be eligible for debt settlement, you need to have medical or financial hardship and have over $7,500 in debt including, credit cards, personal loans, medical bills or collection accounts. Our debt settlement specialists will be able to help you … Continue reading →
Credit Card Debt Settlement – A Great Form of Debt Relief
• Credit card debt settlement is a great form of debt relief because of the speed and effectiveness of them. In a typical debt settlement program, the customer pays about half of their total debt in about 12-36 months (usually becoming … Continue reading →
Raising Your Credit Score after a Debt Relief Program
• Whenever consumers are done with their debt relief programs, whether they’re debt settlement, debt consolidation, credit and debt counseling or other forms of debt relief, their credit score is usually lower. What many debt relief companies fail to do is … Continue reading →
Debt Settlement – Your Debt Relief Solution in 2012
• Whenever people look for debt relief companies, they don’t know whether to go with debt settlement, credit consolidation or something else. What people need to understand is the difference in between debt settlement companies with other debt relief companies. Debt … Continue reading →
Credit Card Debt Relief to the Rescue
• These days, it’s very hard to live without credit cards and when a regular person loses their job, they commonly need credit card debt relief. It’s very hard to get out of credit card debt without a credit card debt … Continue reading →
Don’t Be Fooled By Fake Credit Card Debt Relief Sites
• There are a few “credit card debt relief” sites out there posing as real debt settlement sites but are really just there to make money from ads. Unfortunately, it’s the not that easy to tell apart real debt relief and … Continue reading →
The Bait & Switch in Debt Settlement and Debt Relief
• There are debt settlement companies out there whose sites will tell you that they are debt consolidation companies. They do this debt relief program switch-a-roo for 2 reasons: Read more... Debt consolidation gets a bigger search volume and attacking that … Continue reading →
Credit Card Debt Relief is Essential for the Survival of Millions
• Many government officials have been shooting down debt relief services including debt settlement, debt consolidation loans and credit and debt counseling companies. Their reason for doing so is because of the negative behavior presented by some companies in the past. … Continue reading →
Debt Settlement Has Helped Over 10 Million Consumers in America
• We are proud to announce that over 10 million people have been helped by debt settlement companies throughout the nation in the last 10 years. Although this is great news, it’s also bad. “According to the latest information gathered by … Continue reading →
Getting Debt Relief Has Never Been Easier
• Because of the recent troubles in the economy, debt settlement and debt relief companies have been sprouting up to help every person willing to accept the help and pay down their debt to live a debt free life. As a … Continue reading →
What to Expect From a Great Debt Settlement Company
• When enrolling in a debt settlement program made available by a legitimate and reputational debt settlement company, it is important to understand what you should expect from such a company. Read more... Your debt should be cut by almost half, … Continue reading →
Visit our debt relief blog for more information on recent debt relief news and articles. |
- Our Family
Our Debt Settlement Counselors
We keep a close-knit family here at Debt Free Counselor, where we’re proud of our debt settlement counselors for their honesty and integrity. They are what drives our business and our clients to be successful and come out on top.
Our debt settlement counselors work with each of their clients to make sure that they understand the program every step of the way. We wouldn’t be who or where we are without their dedication and commitment to treating each co-worker and client as if they’re a part of their own family.
Debtfreecounselor.com provides debt relief services in: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. |
