Debt Consolidation -
Arizona's Trusted Name in Debt Relief
See If You Qualify 1-855-855-6772
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Get One Lower Monthly Payment
See How Much More Affordable Your Payment Could Be Each Month.
How It Works
See if you qualify to...
Consolidate debts into a one lower, affordable payment
See your monthly savings AND total savings
Get rid of high interest credit card debts
Get debt relief without a loan
Served over 250,000 people in debt
BBB Accredited
Powered by Envoy
Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

Debt Consolidation

Are you overwhelmed with credit card debt and other types of unsecured debts, falling several months behind on your payments and wondering if debt consolidation is right for you? If so, you're not alone. These days, many consumers in Arizona and all across America are in a similar situation, requiring help from skyrocketing credit card debts as well as unsecured debts like utilities, department store charges, or medical bills. The good news is, you have several options available to help you manage and reduce debts - including debt consolidation, debt settlement, or even bankruptcy.

Also known as a "debt management plan" or DMP, debt consolidation allows consumers with debts spread across multiple cards to combine them into a single, more structured, and more manageable payment plan made to a credit counseling agency. On the other hand, debt settlement allows you the opportunity to negotiate, or settle, with your individual creditors for a substantially reduced amount of your original debts. Both debt relief methods have become popular alternatives to bankruptcy - which has a more damaging and longer lasting impact to personal credit.

To find out how debt relief can help you reduce or pay off your debts, answer a few, simple questions and get a free debt relief analysis and savings estimate. Start now.

Benefits of Consolidating Debts

In a debt consolidation program, you can combine or "consolidate," credit card and unsecured debts into one, more affordable, and more manageable monthly payment made to a credit counseling agency or service that, in turn, distributes funds to creditors. When you enroll in a debt consolidation program, credit counselors review your outstanding debts, and how much money you can reasonably dedicate each month to paying down your debts.

If credit counselors determine that debt consolidation is the right plan or program for you, they typically develop a debt-reduction strategy and submit proposals (on your behalf) to creditors asking for reduced interest rates, or the waiving or elimination of any late fees or penalties. Creditors that agree to the proposals are placed into the debt management plan.

The goal with debt consolidation is to provide you with a single, more predictable, and more affordable payment plan - one that can direct more of your payment towards paying off the principal of your loans rather than just the interest. If followed faithfully, a debt consolidation program can help reduce your debts sooner than if you only continued making the monthly payments on your credit card debts at higher interest rates.

Debt Settlement Alternative

If you have the type of debt that qualifies for debt settlement or if you simply cannot afford to pay the full amount, settling your debts can typically allow you to negotiate with creditors for a reduced amount of what you originally owe. For many consumers, debt settlement or negotiation can offer an honest and legal way to pay back their debts without declaring bankruptcy.

Keep in mind, however, the potential risks involved: When you enroll in a debt settlement program, your credit score will typically decline because when you settle your debts, it usually involves "falling behind" on your payments in order to set aside funds that can be used to make a settlement offer (or what's also called a lump sum payment). In addition, as you fall behind in making payments, you can also face legal action for, essentially, defaulting on the terms of your credit card agreements.

But, in spite of all these risks, debt settlement has become a popular alternative for many consumers who want to avoid declaring personal bankruptcy.

Explore Your Debt Relief Options

Each individual's debt situation is unique and sometimes, finding a reasonable way to eliminate your debt may seem like an insurmountable task - especially if you have lost your job or are simply not earning enough. In addition to your debt crisis, if you are also experiencing other financial difficulties, the state of Arizona offers a variety of services that can provide you with basic necessities. On its website, go to the Citizens Services page, which lists many of the services designed for people who need financial help, including assistance with food, employment, housing, or even guidance on how to prevent foreclosure.

The bottom line is, if you are ready to tackle your credit card and unsecured debts, take the next step and find out what debt relief can do for you and your family. For many consumers, a debt consolidation plan can provide not only a more affordable and more structured payment plan, but it may also provide long-term budgeting skills. If you want to find out your debt relief options, request a free debt relief analysis and savings estimate today. Start here.

Saving thousands of dollars feels really good!
Know your debt relief options.
People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Rayville, LA

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Rayville, LA

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Whiteville, NC

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– San Rafael, CA

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– Louisville, KY

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Spencer, OK

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Oakland, CA