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Use this tool to see the overall savings on your total debt. You can compare Debt Free Counselor's Debt Relief Program to other common debt solutions to see how much you will save.

Credit Card Debt Relief

If you have overwhelming credit card debt and are looking into credit card debt relief, you have probably looked into different types of debt repayment plans or credit card debt relief programs. We offer debt settlement, one of the best credit card debt relief, medical bills relief and personal loans relief services available today.

With credit card debt relief, we are able to:
      • Bring your total debt down to 55%!
      • Eliminate your interest rates!
      • Lower your monthly payments by half or more!
      • Get you out of debt within 12-36 months!

Our credit card debt relief counselors will provide you with a totally free consultation with no obligations.

Debt Free Counselor is partnered with Crusader Consumer Services. They service and negotiate our accounts and have an impeccable track record with the Better Business Bureau, earning them an A+ rating.

Better Business Bureau

Our credit card debt relief program is possible because of our expert arbitrators and our history in negotiating with credit card companies and other creditors. Each of our credit card debt relief arbitrators has gone through extensive training, passed a test given by the IAPDA (International Association of Professional Debt Arbitrators) and became certified.

A credit card debt relief program like ours is called debt settlement. Simply put, debt arbitrators negotiate on your behalf to achieve a smaller total debt amount for you. Typically, your creditors will agree to an amount that is literally a fraction of what your balance is currently.

How It Works

Our program is effective because it makes more sense for lenders to take a guaranteed payment (settlement) from you now instead of tiny minimum payments over the next seven to ten years where they run the risk of you completely stopping payments, meaning they would get nothing.

So, with debt settlement, a lower overall amount is agreed upon and you pay only that amount (at 0% interest) – and those debts get closed out.

Debt Free Counselor provides free consultations for consumers experiencing medical or financial hardship and are looking for credit card debt relief because they are overwhelmed by credit cards, personal loans, medical bills, collection accounts or other unsecured debts. You can fill out our application at the top left of this page and be contacted by one of our debt counselors or you can call now to be connected immediately:

(877) 479 – 4545

Although we only offer debt settlement, there are other types of credit card debt relief programs out there and not all are safe or will get you out of debt quickly and effectively. You may have ran into some credit card debt relief companies who provide debt consolidation loans.

Debt consolidation loans can be beneficial but have many downsides including the term of a program (usually over 5 years), blemish on your credit report for 7 years and you will still have to pay 100% of the principle plus 3-5% interest. Although some companies are able to make it seem like a strong choice to help yourself get back on a financial track, you must be very cautious.

When you consolidate your debts, you are choosing another loan with a lower interest rate to pay down all of your other loans and debts. As a result, that loan provides you with immediate credit card debt relief but with a catch. Now you have to pay back a huge loan with a low interest rate, and if you default on this loan, all your interest rates on your debts go right back to where they where and you'll be right back where you started.

Many credit card debt consolidation loans have interest rates that are actually higher than what you're already paying and often have tricky clauses for bumping your interest rate even higher if your even one day late or miss a payment. These fraudulent and scamming companies are also in the practice of offering low monthly payments, but this often stretches your payments for even longer, so you end up paying even more interest to your lender! You have to watch out for this fake credit card debt relief services!

You must always make sure a company is legitimate and has a proven track record. Always view their Better Business Bureau rating and read comments by past clients.

There are also debt management programs and other credit card debt relief programs to provide credit card debt relief and relief for and other unsecured debts. Debt management programs are usually very similar to debt consolidation & credit and debt counseling programs and will consolidate your payments and lower the interest rates as well.