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Family

Become Debt Free

in 2025 & Beyond !

We have helped over 175,458 Americans become debt free

See if you qualify for Consolidation

This process will not affect your credit score

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How it works 

About

Quick & Easy to Apply 

Our form above is very quick & easy to complete and will not hurt your credit score.

See which options you qualify for

We evaluate and match your credentials with the best debt consolidation offers available.

Consolidate your debt 

Assess your offers and move forward with the debt consolidation solution for you.

Speakers

We offer the best Consolidation options

Debt Consolidation

Combining multiple debts into a single loan or line of credit with one monthly payment, often at a lower interest rate.

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How It Works:

Take out a debt consolidation loan or use a balance transfer credit card (0% APR promotional offers)

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  1. Pros: Simplifies payments, may lower interest rates, improves cash flow.

  2. Cons: Requires good credit for favorable terms, may extend repayment period.

Debt Management

A structured repayment plan negotiated by a credit counseling agency to lower interest rates and fees.

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How It Works:

You make a single monthly payment to the agency. The agency distributes payments to creditors.

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  1. Pros: Lowers interest rates, simplifies payments, no need to take out a loan.

  2. Cons: Requires a commitment to the plan (3-5 years), may temporarily impact credit.

Debt Relief 

Negotiating with creditors to settle debts for less than the full amount owed.

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How It Works:

You or a debt settlement company negotiates with creditors. Typically requires a lump sum payment or installment plan.

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  1. Pros: Can significantly reduce total debt, avoids bankruptcy.

  2. Cons: Damages credit score initially. 

Credit Counseling

Free or low-cost financial advice and education from a nonprofit credit counseling agency.

 

How It Works:

Agencies review your financial situation. Offer personalized recommendations (e.g., budgeting, DMP).

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  1. Pros: Helps with budgeting and planning, no direct impact on credit.

  2. Cons: May require enrolling in a DMP for more aggressive solutions.

Topics

We cover various types of debt 

Vehicle Repo

Unsecured Loans

Private Student Loans

Collections

Credit Card Debt

Medical Bills

Lines of Credit 

Business Loans

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