Free Debt Analysis

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Select One Under $10,000 $10,000 - $15,000 $15,000 - $20,000 $20,000 - $30,000 $30,000 - $40,000 $40,000 - $50,000 $50,000 - $60,000 $60,000 - $70,000 $70,000 - $80,000 $80,000 - $90,000 $90,000 - $100,000 over $100,000

You must have over $10,000 of Unsecured Debt to Qualify!


* Disclaimer: The information on this site shall not be construed as legal advice. By clicking submit you are agreeing to our terms of service. By submitting your information you agree to be contacted by phone even if you are currently on the DNC, (Do Not Call Registry).

The debt Team does not assume or pay any debt, nor does it give legal advice, offer credit repair or help stop creditor & collector calls. Individual results vary and are dependent on successful completion of program and ability to save funds.

Your Options

When in debt, you have several options to choose from. Below are some of your choices:

1. Debt Settlement
Debt Settlement is when we take your unsecured debt and significantly reduce your principle balance. It is an aggressive approach to debt reduction for individuals in financial hardship. Keep in mind that selecting the right debt negotiation company is critical for maximum debt reduction.

2. Debt Management
Debt Management works with your creditors to lower your interest rates, so that more of your payments go toward your principle. Your payment is approximately the same as what you are already paying, however your term is reduced to approximately 36 - 60 months. This is ideal for someone who is current on their payments, but can only afford making the minimum payments.

3. Home Equity Loan / Debt Consolidation Loan
This may seem great for some homeowners with substantial equity in their home and good credit, however, keep in mind that you are transferring unsecured debt into secured debt and now risking your home as collateral if you can't make your payments.

4. Do Nothing (pay forever plan)
This is a creditors favorite! By making only the minimum payment on your cards, the problem is that it takes an average 6 years to pay off every $3000 in debt.

5. Bankruptcy
Bankruptcy was designed to be a consumer's last resort and has a devastating negative effect on your credit that could last up to 10 years. Keep in mind that bankruptcy is the worst possible scenario for your credit and is also public information. See disclaimer.