One of the most exhilarating moments for someone who has had debt trouble is that last payment made to a creditor.

Our entire theme is to become the source for that feeling of “debt relief.”

However if we can’t we provide you with plenty of outside resources we believe to be reputable.

Whether you pay 100% or 20% there is a more important underlying issue here:  get out of debt. Even if you end up paying 150% of your debt you will still be grateful because…you are out of debt!

 This journey will hopefully lead  to one solution, and we would rather it come sooner than later.

So our singular purpose is to get you out debt as quickly as possible and in the process save as much money as possible.

When in debt you have these options (we have examined many and narrowed them down to a few):

1. Pay off debt on your own (or with some assistance, such as family friend, spouse, etc.)
2. Debt consolidation (borrowing against a property, or an unsecured loan which is rare, to pay off all outstanding unsecured debt)
3. Debt Management/Credit Counseling (a coordinated payment plan with the creditors where you pay 100% of what you plus reduced interest while appearing current on your credit report but having your accounts closed)
4. Debt Settlement (A negotiation process for debtors in an extreme hardship close to or already defaulting on their minimum payment)
5. Bankruptcy (A final edict on the debtor’s side which concedes that they can no longer hold their obligations towards payment in the slightest due to a legitimate hardship that is upheld by the court, and in which their debts which they cannot maintain payments on are cleared )

Complex language? Not really:

• Pay your debts off no matter how
• Take out a loan however you can to pay all your debts so that you hopefully have one monthly payment that adds up to less than you would have paid otherwise
• Tell the creditors you are hurting and their rates are too high, but you can still pay a reduced interest rate monthly payment for a few years and hopefully stick to a plan where you put ALL your accounts in to for some sort of creditor sponsored “debt relief” where they don’t report you late to the credit bureaus (but your accounts will be closed)
• Ah yes, you are experiencing a financial hardship and telling the creditors their “debt management” plan is a joke (certain situations warrant that) and that you can pay them a little bit of what you all but not all; and if they don’t like it…well, you might just file bankruptcy in which case they won’t get anything!
• Bankruptcy, the white flag, submission, surrender, conciliation, a fall from our financial grace. Ok this is an exaggeration, but this is your ultimate step in a financial hardship with all the ugliness involved: attorneys, court, creditors, and a 10 year stain on your credit report. Please be aware that this is not a death sentence on your finances…you know who else filed bankruptcy?…Donald Trump. But please don’t get any heroic ideas.