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 settlement 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.
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.
- Reduce DebtsReduce Debts
Reduce Your Debts
We will negotiate your unsecured debts for a fraction of your total debt. Our 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 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 programs.
We have worked hard for our A+ rating with the Better Business Bureau and will continue working even harder to continue providing debt relief programs 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
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 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 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 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 Our Debt Settlement Program
Here at Debt Free Counselor
, we believe it’s very important to continue a debt free
life after completing our 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 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.
Debt Relief News & 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 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.