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1. What type of unsecured debt do you have?
a. Credit cards or medical bills
b. Student loans
c. Tax debt

2. How much debt do you have?
a. More than $10,000
b. Less than $10,000

3. Do you own a home with equity?
a. Yes
b. No



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Unfortunately, unsecured debts such as credit card bills and medical bills are becoming a greater problem for many people in this country. In the past few years, many people were able to use their rising home values to pay down their debts through refinancing, now however, the situation has changed and people are searching for alternative debt relief services to consolidate credit/debt.

How can you find the best debt companies who you can trust to guide you? It’s tricky as many people know very little about their alternatives much less who they should turn to for help to get out of debt. That is the objective of this site, to provide debt help advice.

There are many companies out there all willing to assist you but first you need to decide the type of solution that fits your situation the best. A good debt settlement company will actually reduce your debt by negotiating your balances down over a typical period of 18-36 months. Your monthly payments can be reduced but you should know that during this process your debts will go into default and your credit score will be damaged as a result.

Debt settlement is often a favorable alternative to bankruptcy for many people and it does allow you to get out of debt faster than using a debt management plan.

The aforementioned debt management program is your other alternative type of debt relief solution. These programs are typically provided by credit counseling agencies who work closely with the major credit card companies to assist people in trouble before their financial situation gets worse. They are able to help you consolidate your payments, lower the interest rates on your balances, and help to reduce or eliminate the late fees and penalties you may be charged.

Debt management programs are genarally less risky, however, it can often still take 5-7 years to get out of debt. It is meant for people who are slipping and need a hand but can generally still afford to make their current monthly payments on everything they owe.

The most important thing to realize is that a debt relief solution should be carefully selected. It is a big financial decision so spend some time learning about credit card debt problems , researching how credit debt services operate, and look through the hundreds of debt help advice questions I have answered for people.