Make your personalized home page for debt relief companies

You can arrange a plan with your creditors yourself or through a licensed debt management company for a fee.

Look into Debt Relief: Debt management, debt consolidation loans and debt settlement can eliminate credit card debt. Call a nonprofit credit counseling agency, like InCharge Debt Solutions, and let experts walk you through the process to see if this is a faster, better, and less expensive way to get out of debt.

Create a Plan of Attack Prioritize Your Debts. Rearrange your debts in order of which one youd like to tackle first. Focus on a Single Debt. Figure out your expenses. Go for the big wins. Go for the easy wins. Set up auto-pay. Make extra payments. See if you can move the payment due dates.

Remember that a free provider can do all of this at no cost. The fees charged by commercial DMP providers will vary between companies, and are typically around 17% of your monthly payment each month.

They Ask for Fees Upfront This is the most obvious sign of a debt relief scam. If the person/company offers to help get rid of your debt but first you have to pay them a fee, theyre probably lying to you. Cut off contact and file a complaint with us.

While there isnt a specific credit card debt relief program operated by the government, several options are available that can help you manage and reduce your debt.

Instead of paying a company to talk to creditors on your behalf, you can try to settle your debt yourself. If your debts are overdue the creditor may be willing to negotiate with you. They might even agree to accept less than what you owe.

There are also debt relief companies that will negotiate for you. This, however, typically involves paying a fee to the company thats helping you to get loan relief or credit card debt relief. Also, keep in mind that you typically need to be past due before a creditor will consider settling a debt.

National Debt Relief creates a personalized debt plan for you based on your budget and financial situation. You make one payment each month into your secured savings account. National Debt Relief negotiates with your creditors to reach a settlement agreement.

There are also debt relief companies that will negotiate for you. This, however, typically involves paying a fee to the company thats helping you to get loan relief or credit card debt relief. Also, keep in mind that you typically need to be past due before a creditor will consider settling a debt.