Options
Outside of bankruptcy, debt services are typically categorized in three different ways – debt settlement (the method we offer), debt consolidation and credit counseling. Each of these approaches can assist some debtors to climb out of debt. Each one also carries a set of risks for you. In this section, you will find articles discussing the details of each option, as well as the risks and rewards associated with each one. Please read and prudently consider which approach might work best for you.
Debt Settlement
With debt settlement, you typically work with an agency that can reduce your debt burden through negotiations with your creditors. Learn More
Debt Consolidation
Debt consolidation involves rolling all outstanding debts into one and taking out a lower-interest loan to pay for them. Learn More
Credit Counseling
In credit counseling, the debtor places a single monthly payment into an account with a credit counseling agency. The agency then distributes the money among the creditors at reduced fees and interest. Learn More
Minimum Credit Card Payment
Paying your credit card debt with monthly minimum payments can be a long and expensive process. Learn More
Bankruptcy
Sometimes called the last resort among debt relief options, bankruptcy can be a powerful but punishing way to get out of debt. Learn More



