Reality: Credit counseling might be the best debt relief option if you can pay your account’s full balance within five years. On the other hand, debt settlement allows borrowers facing financial hardship the option to pay less than the total balance, eliminating debts in two to four years. Credit counseling and debt settlement have several commonalities, making each a valuable debt relief option if you meet the criteria. Both assist with debt elimination and repay creditors on your behalf, allowing you to make a single monthly payment to the agency. Credit counseling saves you money through wa ..read more

Been there, done that…AND that, about your debt on your cards. You made minimum payments for years, only to watch your balances grow.  You’ve tried the snowball and stacking methods to eliminate your credit card debt, without success.  Whether it is too much temptation, the lack of discipline, or the overwhelming prospect of paying off tens of thousands of dollars worth of credit card debt, you realize that you cannot successfully do it alone. Here’s a look at what Credit Counseling is really all about and where you need to be to say ‘sign up’.  Apply for a Personal Loan Today ..read more

Struggling with debt, here is the miracle you have been looking for…. We want miracles to solve problems. An easy and painless route to redeem us. One drug that will alleviate every ailment and one financial solution will eliminate all our money problems. Credit counseling is often pitched as the one size fits all debt relief solution. The problem is, credit counseling has limited applications. Below are the debt relief credit counselors offer. If you need help beyond this, credit counseling might not turn out to be the miracle drug the industry is selling. Apply for a Personal Loan Today Choo ..read more

Millions of people struggle with too much debt and are seeking relief. A way to lower monthly payments so you can afford to pay the rest of your bills. Then there is the long-term impact of owing more than you can afford. You resort to paying the minimum amount due on high interest, high balance credit cards, leaving you perpetually in debt. How can you lower your monthly payment AND pay off your debt, allowing you to achieve some level of financial freedom? Debt relief comes primarily through one of three avenues: Credit counseling Debt settlement or Bankruptcy Lenders promote credit counse ..read more

Debt forgiveness sounds like an excellent route when facing large amounts of high-interest debt that continuously keeps you poor. As a substitute to making the minimum payment on your credit card bills, you convince your lender to reduce what you owe so you can pay the debt off quicker. How does that work? Is it realistic to believe a creditor would accept new loan terms that benefit you? Whether you are currently late on your payments or you are running out of room on your credit card limits, you may want to seek ways to reduce debts without having to pay the entire amount that you owe. Fortu ..read more

You pay your ‘regular’ bills on time. But you can only afford to make the minimum monthly payments on your credit card accounts. In most cases, making only the minimum payment each month and continuing to make purchases causes your balances to increase each month. These outstanding balances build up over time and that’s when things can turn ugly.   There is a feeling of despair just trying to get by month to month. You watch $1,000 or more drain from your monthly budget, barely making the interest payments on your unsecured debt.  Apply for a Personal Loan Today Choose Your Loa ..read more

GREAT! You’ve decided to finally do something about the tens of thousands of dollars you have in credit card debt.  It is no longer enough to make minimum monthly payments and reduce balances slowly. You’re done with that!  You want to put your debt reduction strategy into hyperdrive, without dinging your credit in the process. After all, in the near future, you might want to buy a new car, upgrade your cell phone, or refinance your home.   Apply for a Personal Loan Today Choose Your Loan Amount Range Slider But before deciding on a plan of action, what you rea ..read more

The stress from carrying large amounts of high-interest credit card debt can make it feel as though an elephant is sitting on your chest. The balances grow each month, and so do your minimum payments.  It feels as though you will never see the day when you are free from the shackles of debt.  You’ve started to research options, but still have more questions than answers.  You don’t want a slow and painful road to the finish line, you want relief from the stress, immediately!  If you are currently behind on your monthly payments, you want the constant barrage of collection c ..read more