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There is life after debt!
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The good news is that there is life after debt. You have more power than you think when working with creditors. You have what they want, your money.

  • Determine what you owe
  • To whom you owe it
  • Interest rate
  • Minimum payment
  • How much you can afford to pay each month
  • Develop a plan
  • Execute

In exchange for hefty fees and destroying your credit, debt settlement companies will offer to settle your debt for pennies on the dollar.  There is little they can do that you can't do on your own.  Click here for tools to get started.

If you are unsuccessful negotiating on your own, then consider involving a non-profit consumer credit counseling service and/or debt resolution service

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