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Debt Settlement & Debt Relief


Why Choose Us


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Debt Free Counselor offers the fastest and least expensive debt relief program as well as the best bankruptcy alternative. If your credit cards, medical bills, personal loans or collection accounts have become overwhelming, our debt settlement program can help. 

We offer a FREE financial analysis as well as a variety of debt relief options pertaining to your particular financial situation. We can reduce your debt so you can pay it off fast and be done with it forever.


Our accounts are serviced and negotiated by Crusader Consumer Services, the Nation's leader in debt settlement. We are proud to report that for the past six years Crusader Services has maintained a standard of excellence well above the rest.

They're reputable work ethic has earned them an "A+" rating with the Better Business Bureau as well as a solid reputation in customer service.

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Debt Calculator

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

• Reduce your balances by up to 60%
• Keep the thousands of dollars you would
normally pay towards interest
• One single and easy low monthly payment
• Avoid the 7-year stigma of Bankruptcy
• Get out of debt within 12-36 months
• Save much more than with debt consolidation
or credit counseling
• Relieve the financial and emotional burden by
getting help before it's too late!

Qualifying Debts

Credit Cards (unsecured)
Personal Loans (unsecured)
Medical Bills
Business Debts (unsecured)


BBB A Rating

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credit card debt relief

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.

  • 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.

  • Blog

    Debt Relief News & Articles

    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! …

    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 …

    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 …

    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 …

    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 …

    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 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. 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.