"Our counselor from Debtma was very polite and informative. They answered all questions honestly and straight forward. We were told upfront what can and can't be done, which was not the same courtesy I received from other companies we inquired with. What I liked most of all was that there was no "sales pitch". Everything was very upfront." Randy, Mississippi

"You helped us so much in such a difficult situation. My boyfriend Shannon had an account with Discover and was making payments every month. He was always current until one month when he ran into financial difficulties. One day his interest rate skyrocketed to 26%. He kept making payments however was very frustrated because he wasn't seeing the balance going down. One day Shannon received a summons to go to court. We did not know what to do or who to call! We contacted Debtma and they immediately contacted Discover on our behalf. We soon learned that there was an error on the account and the legal action was a case of mistaken identity. Thanks to Debtma, everything turned out fine. Without their help I don't know what would have happened." Chrissy, California

"I just want to thank you again for all your help with my debt problems. You have been extremely helpful with your knowledge and insight and I wished I had known about you earlier as it would have saved me from making mistakes that I made in handling my debt problem. However under your guidance I am making positive progress and I am taking control of my debts. I appreciate your honesty and candor in answering my questions and I really appreciate the time you have given me. Again you have been a great help and I can't thank you enough. Take care." Robert O'Brien, Texas

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Debt Consolidation

An effective way to get rid of your debt is Debt Consolidation. One form of Debt Consolidation is to consolidate your debt by taking out a Debt Consolidation loan. Another is by utilizing your home’s equity and taking out a home equity loan to consolidate your debt. The best form for Debt Consolidation is a Debt Consolidation Program. This avoids putting the equity you have in your home at risk to cover your credit card debt and saves you the expense of taking out a new loan. In our Debt Consolidation Program your credit counselor will see if you qualify for an interest rate reduction through your current lenders. If you do qualify, you would close the accounts you want to include in the Debt Consolidation Program and make one set payment. If your interest rates are under 10%, a Debt Consolidation Program may not be of much benefit to you. If your interest rates are over 20%, you may be able to get a significant reduction in your interest rates and pay off your debt much faster. One of the benefits of a Debt Consolidation Program is that you will make one set payment throughout the term of the program. Another benefit of a Debt Consolidation Program is more of your payment will apply to the principle than if you were to continue to make the minimum monthly payment. A good alternative to bankruptcy, you can resort to a Debt Consolidation Program to begin leading a debt free life. Debt Consolidation is not for everyone. Call us TOLL FREE at 1-877-363-9792 for a free consultation or fill out the form above to determine if a Debt Consolidation Program is right for you.

Free Debt Counseling

A debt counselor plays a major role in helping a debtor get out of debt. By assessing your financial situation and then suggesting options to do away with debts. A debt counselor will also guide you to help you manage your debts in future.

GET STARTED NOW! Fill out the free information form or call Toll Free 1-877-353-9792 for a FREE consultation today!

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Frequently asked Debt Consolidation Questions

Is Debt Consolidation Legal?

Debt Consolidation is the legal process where your debts are Consolidated and your interest rates are reduced and is practiced legally. Without the option of Debt Consolidation many consumers would have no choice but to file bankruptcy and your creditors would receive nothing. Debt Consolidation is a win-win situation for both you and your creditors.

How does Debt Consolidation help me pay may debt off faster?

We will negotiate with the creditors on your behalf to reduce your interest rates. Our goal is to Consolidate all your unsecured debts which you have contracted us to Consolidate. This is accomplished through a series of negotiations with your creditors to secure lower interest rates which will substantially reduced the amount of time it takes for you to become debt free.

How does Debt Consolidation compare to bankruptcy?

Bankruptcy was designed to be a consumer's last resort and has a devastating effect on your credit rating that lasts for twelve years. Debt Consolidation is an effective alternative to bankruptcy. A Debt Consolidation Program provides you with financial freedom without the long-term effects and social stigma associated with a bankruptcy filing.

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March 9, 2010

Watch the above video to see the predatory tactics of the Big Credit Card Companies. Are you a victim?

Congress recently passed legislation to stop the Credit Card Companies' predatory practices. Watch the above video to see how they are using the loopholes in the new law to take more of your money!

The Credit Card Companies got their bailout. Let us help you get yours!

Most Recent Debt Consolidation Results

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x386
Account Balance: $8,967.47
Settlement Amount: $3,000.00
Amount Saved: $5,967.47

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x763
Account Balance: $19,001.03
Settlement Amount: $8,400.00
Amount Saved: $10,601.03

Original Creditor: HSBC BANK USA
Account No: xxxx-xxxx-xxxx-x001
Account Balance: $575.04
Settlement Amount: $230.02
Amount Saved: $345.02

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x952
Account Balance: $23,459.92
Settlement Amount: $3,816.00
Amount Saved: $19,643.92

Original Creditor: GE MONEY BANK
Account No: xxxx-xxxx-xxxx-x683
Account Balance: $13,984.00
Settlement Amount: $3,500.00
Amount Saved: $10,484.00

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x822
Account Balance: $16,7821.61
Settlement Amount: $2,718.00
Amount Saved: $14,064.31

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x835
Account Balance: $12,121.31
Settlement Amount: $4,849.00
Amount Saved: $7,272.31

Original Creditor: AMERICAN EXPRESS
Account No: xxxx-xxxxx-xx005
Account Balance: $21,390.05
Settlement Amount: $14,750.00
Amount Saved: $6,640.05

Original Creditor: CITIBANK
Account No: xxxxxxxxxxxx001
Account Balance: $13,336.19
Settlement Amount: $2,667.24
Amount Saved: $10,668.95

Original Creditor: ADVANTA BANK
Account No: xxxx-xxxx-xxxx-x944
Account Balance: $18,947.78
Settlement Amount: $5,700.00
Amount Saved: $13,247.78

Original Creditor: CAPITAL ONE
Account No: xxxxxxxxxxxxxx788
Account Balance: $7,537.14
Settlement Amount: $3,700.00
Amount Saved: $3,837.14

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Yahoo! News Search Results for Debt

03/09/2010 08:44 PM
NY state debt in red zone, should cut $20 billion: study (Reuters via Yahoo! News)
The $120 billion that New York state owes in debt, health and pension benefits for public workers puts it in the danger zone, and getting down to the safety zone requires a $20 billion cut, a study said Tuesday.

03/09/2010 08:54 PM
Lower credit card debt traced mainly to charge-offs (USA Today)
Consumers fell further behind on bills in 2009, causing a surge in debt charge-offs, says Odysseas Papadimitriou, CEO of CardHub.com.

03/09/2010 01:29 PM
Leibovitz can keep portfolio under new debt deal (Washington Post)
NEW YORK -- Annie Leibovitz, the photographer who mismanaged her fortune so badly that she faced losing legal rights to some of pop culture's most enduring images, has reached a long-term agreement with a private investment firm to help manage her debt and market her vast portfolio, both sides said Tuesday.

03/09/2010 02:00 PM
Hasbro to sell $500 million notes to lower debt (AP via Yahoo! News)
Toy maker Hasbro Inc. is selling $500 million worth of notes to help pay down its debt.

03/09/2010 11:45 AM
Annie Leibovitz enters new deal to manage debt (USA Today)
Annie Leibovitz has entered into an agreement with a private investment firm to help manage her debt and market her portfolio of celebrity images.

03/09/2010 08:55 PM
Write-offs are driving decline in credit-card debt (Market Watch)
Credit-card debt has been falling for 16 straight months but consumers aren’t paying off their financial obligations as much you might think. Instead, they’re walking away from the debt, forcing credit-card issuers to write off as much as 90% of that reported drop, according to a new report by CardHub.com.

03/09/2010 08:56 AM
Europe Said to Close Debt Sales to Wall St. (New York Times)
EU nations are shutting major Wall St. banks out of their debt sales, The Guardian reports. No large U.S. bank ranks among the top nine leading the sales of sovereign bonds, according to data from Dealogic.

03/09/2010 06:23 AM
Dubai World outlines debt plan to leading creditors (AFP via Yahoo! News)
The debt-ridden Dubai World conglomerate is outlining proposals to restructure 22 billion dollars of its debt to leading creditors, The National daily reported Tuesday.

03/09/2010 07:00 PM
Euro May Decline Amid Signs Greece’s Debt Crisis Will Linger (Bloomberg)
March 10 (Bloomberg) -- The euro may fall against the yen for a second day amid signs Greece’s debt crisis will linger, damping demand for the 16-nation currency.

03/09/2010 04:51 PM
ILFC Debt Sale Gets Strong Demand, WSJ Reports (Fox News)
ILFC Debt Sale Gets Strong Demand, WSJ Reports