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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 Grant

If you're a resident of Arizona who is overwhelmed with credit card debts and are looking for relief, you may be thinking of applying for federal or state-sponsored programs or grants that can help you pay off your debts. Unfortunately, unlike the bailouts that the government gave banks and other financial institutions, the government does not provide debt relief grants or aid that are designed for consumers.

But the good news is, if you are struggling with high-interest credit card debts as well as other types of unsecured debts (such as medical bills, utilities, or department store charges), you certainly have debt relief options -- including debt consolidation, debt settlement, debt consolidation loans, or even bankruptcy. Both debt consolidation and debt settlement have become, for many consumers, popular alternatives to bankruptcy--which has a more damaging and longer lasting impact on your personal credit.

With the right debt relief option, you may find yourself able to breathe easier knowing that you can get expert help and get on a path to financial freedom. To learn more about your debt relief options, list your debt now and answer a few, simple questions to get your free debt relief analysis and savings estimate -- at no charge to you.

"How Can Debt Consolidation Help Me?"

Debt consolidation, or a debt management plan (DMP), gives individuals and families who are struggling with multiple debts the chance to combine, or consolidate, high-interest credit card and unsecured debts into one, more structured, and more manageable payment plan made to a credit counseling agency. Credit counseling agencies, in turn, distribute those funds to credit card companies in the debt management plan.

When you enroll in a debt consolidation program, credit counselors generally review your finances, debt amount, and sources of income and try to determine how much you can reasonably allocate each month to your debt payments. They typically create a strategy to help reduce your debts and submit proposals--on your behalf--to creditors asking for a reduction in interest rates, or the elimination of any late fees and other penalties. Creditors that agree to grant or extend favorable payment terms are placed into the debt management plan.

The goal of debt consolidation is to help you direct more of your funds towards paying the principal of your debts versus simply just paying the interest. If you want to learn how debt consolidation through credit counseling could potentially help you reduce your debts, answer a few, simple questions to request a free debt relief analysis and savings estimate.

"Do I Qualify for Debt Settlement?"

If you need relief from high-interest credit card debts but feel that you are running out of viable options, you may be interested in finding relief through debt settlement. Today, many families and individuals in Arizona have found relief by enrolling in debt settlement programs or plans that allow them to settle, or negotiate, with their creditors for significantly less than what they originally owe.

Keep in mind, however, the potential risks: When you enroll in a debt settlement program, your credit score will typically decline because it usually involves "falling behind" or foregoing 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, as a form of relief, debt settlement has become a popular alternative for many consumers who want to avoid declaring personal bankruptcy--which often has a more damaging and longer lasting impact to one's credit rating.

Statewide Assistance

As noted earlier, Arizona, like many states, does not have any credit card relief programs or grants to help consumers pay off their credit card and unsecured debts. However, it does offer a variety of services that provide low-income families with basic necessities.

Many low-income individuals and families qualify for cash assistance if they meet the state's eligibility requirements regarding income, number and age of dependents, and various other factors. For residents who need help putting food on the table, the Emergency Food Assistance Program provides nutritious meals, at no cost. Programs are also in place for needy families in the areas of health care, child care, and employment.

In addition, the U.S. Department of Housing and Urban Development has resources for the needy and guidance on how to keep their home and on preventing foreclosure.

For more information on state-wide economic aid resources click on this link.

"How Much Can I Save with Debt Relief?"

One of the most commonly asked questions from consumers who are comparing their debt relief options is how much they can save, every month, if they qualify. Depending on your financial situation, the amount of money that you can potentially save will vary depending on how much you originally owe, the current interest rates that you are paying, and any late fees or penalties.

The bottom line is, if you want to start being proactive about your debts, there is help. With the right debt relief program, for instance debt consolidation or debt settlement, you could be on your way to paying back your debts at a more manageable and predictable pace, and finally get back on the road to financial freedom. Start now by requesting your free debt relief analysis and savings estimate--it only takes minutes!

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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
– Dodge City, KS

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
– Dodge City, KS

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
– Lexington, KY

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
– Pipe Creek, TX

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
– Sacramento, CA

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
– Chicago, IL

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 resolve debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Pembroke, NC