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Know your Debt Relief Options?

You are not alone and there is help available.


Millions of families nationwide bring in less income and paying down debt is a challenge. Unemployment, loss of income, divorce, health issues, high mortgage payments, failed investments & businesses push millions of people into a financial hardship.

Americans struggle to find balance between paying down debt, managing monthly living expenses and saving for the future. Estimates conclude that 61 percent of Americans can only live three months or less on their savings, 38 percent state not having savings to cover one month's expenses.

The bottom line is all creditors have a pulse on the state of the economy and want to decrease risk. Often times creditors may be willing to settle consumer debt for less than is owed. Based on your situation you could reduce your interest rates, lower your monthly payments, consolidate your debt, or even pay back less than you owe. Each solution is based on the type of debt you have including credit card, student loan, medical or other types of unsecured debt.

Below is a chart that shows total credit card debt written off by banks in the US each year.




New programs have even been put in place that may help you with student loan debt.

For help or information on repaying your student loans you can contact the Dept of Education directly at Federal Student Aid Information Center (FSAIC): 1-800-4-FED-AID (1-800-433-3243).

How does the process work?

Is debt relief right for you.

Our website matches you to partners in our network which may help you find a solution to your debt problems. If you are trying to avoid bankruptcy and have unsecured debt such as credit cards then debt settlement may be an option. Debt settlement is typically a good match if you are dealing with loss of income, collections, struggling with payments or high credit card debt. If you are still able to pay your bills and just need lower payments then Debt Consolidation or Credit Counseling may be a viable option. Why guess which program is best for you? Fill out the form above and receive a debt evaluation. Know your options today and then put a plan in place to fix your debt problem.

What debt relief options are available?

Learn about all your options today.

Option1 – Do Nothing

Doing nothing may cause more financial and physical stress. You will continue to feel stress in all areas of your life. Debt related stress may affect your health, your performance at work, and even your relationships.

Take action NOW! Taking action will absolutely improve the way you feel and improve your long term financial situation. Doing nothing may cost you thousands of dollars in fees and interest expenses. It's like setting money on fire. The typical consumer spends $10,000 a year just in interest that has absolutely no value.

Option 2 - Bankruptcy

Bankruptcy is a serious choice with long term consequences. We recommend consulting with one or two attorneys and financial advisors before starting down this path.

Bankruptcy will remain on a credit report and public record for 7-10 years. Also you may not qualify for bankruptcy depending upon your income and county of residence. You may only qualify for Chapter 13 which requires you pay debts over a long period of time. Make sure this is your only and best option before proceeding. Review all your options with several professionals.

Option 3 - Credit Counseling

This option is quickly dying as a good choice. Credit counseling doesn’t make much difference in monthly payments so you won’t necessarily receive immediate relief. Credit counseling is designed as temporary relief and usually forces you to pay back most or all of your debt. This option may be good if you want to pay back your full debt load.

Option 4 - Debt Settlement

Debt settlement is often confused with debt consolidation. In debt consolidation, the consumer makes monthly payments to the debt consolidator, who takes a small fee and passes the rest on to the creditors; this way, creditors continue to receive payments each month. In debt settlement, the consumer makes monthly payments. out of which the debt settlement company takes its fees; the remainder is put into a "trust" or "special purpose" account. The creditors get nothing until they decide to settle.

How do I get started?

Fill out the form above or call.


Get your life back on track today! Simply fill out the form above and a partner in our network will contact you for a evaluation of your situation. Learn about your options and decide which program makes sense for you and your family.
 

Find out more about...

Credit Card Debt Relief

Reducing Student Loan Payments

Alternatives to Bankruptcy

Dealing with Collection Agencies

Medical Debt Relief

Getting a Fresh Start

Debt Tip of the Day!

Be aware of your rights. Try to cooperate as best as you can, but don’t let the collectors step all over you either. There are both approved and prohibited conduct by collectors that are actually outlined in the Fair Debt Collection Practices Act.
  • Collectors cannot threaten nor harass you.

  • They cannot make your personal information known, except to credit bureaus.

  • They can only contact you by phone during certain hours: 8 AM to 9 PM local time.

  • They cannot bother you at work if you’ve told them so in writing.

  • They cannot contact you directly if you are represented by a lawyer.

People from all walks of life need help with debt at some point!



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Let our partners help you find solutions to Credit Card Debt, Student Loan, and Bankruptcy Alternatives.

Debt Relief Service Disclaimer: The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. GetDebtAid.com does not provide debt relief services, student loan payment assistance or relief, bankruptcy or any type of loan. We match consumers with partners in our network which may review your online submission and offer their service. The hiring of a partner in our network is an important decision and should not be based solely on advertisements. The retention of a client is subject to review and qualification by the partner. By submitting your info you agree to be contacted by our partners via phone, text, SMS / MMS and / or email. Each partner may provide a proposal for services & may charge a fee for their service. Initial budget review is at no charge. Results vary based on ability to save funds, complete all program terms & willingness of creditors to renegotiate. Our partners do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. It is your sole responsibility to assure you read and understand all program agreements & disclosures provided directly by our partners prior to accepting. This website is not affiliated with the government, any government organization, non-profit, state or federal service. Not available in all states.

Student Loan Payment Relief / Assistance Disclaimer: We do not provide student loan payment relief, assistance or support directly. We match consumers with partners which may provide assistance or support in finding the right solution for you. The hiring of a service provider is an important decision and should not be based solely on advertisements. The retention of a client is subject to review and qualification. By submitting your info you agree to be contacted by our partners via phone, text, SMS / MMS and / or email. Each partner will provide a proposal for services & may charge a fee for their service. Initial budget review is at no charge. Our partners do not guarantee that your student loan payments or amount paid back will be reduced. Actual modified student loan payments or loan forgiveness are based on several factors including approval from the Department of Education and may not include any fees charged by our partners for their service. It is your sole responsibility to assure you read and understand all program agreements & disclosures provided directly by our partners prior to accepting. This website is not affiliated with the government, department of education or any non-profit organization or your student loan servicer. Not available in all states.