Consumer Debt Services - Debt Consolidation Help

Helping You Put Your Finaces Back Together

Debt consolidation accompanied by proper money management is a responsible way to get and stay out of debt. This site provides information about the process of how to consolidate and reduce debt, including perspectives, articles, advice and online companies that can help.

Compare Your Debt Relief Options:

Let Consumer Debt Services help you find the right debt relief options in just a few minutes. Simply fill in a little information about your situation below, and we'll match you with up to 4 specialists for you to compare.

There is no obligation to participate with any programs.

Credit Card Debt Amount? What is the total amount of credit card debt you currently have? Include both regular and retail store cards.
Current Payment Status? Are you currently up to date with your bill payments or starting to fall behind?
Any Other Unsecured Debts? Are you carrying any other unsecured balances; such as medical bills, tax arrears or student loans?

Understanding Your Debt Help Options...
Debt consolidation services and settlement solutions are practical means for eliminating credit card and other high interest debts without going bankrupt, while getting your financial health and future back on track.

Debt Consolidation:		Debt Settlement:
Is when you combine multiple, high-interest loans (debt) into a loan with a single monthly payment on a lower interest rate. Consolidating allows the consumer to pay down more principle each month, often lowers monthly payments, and allows the balance of the debts to be cleared faster.		Involves using a third party to work directly with your creditors to reduce penalties, interest charges and sometimes a percentage of the total balance accrued. A debt management company will often use a combination of both consolidation and settlement solutions to reduce debts.

Both debt consolidation and management are preferred alternatives to bankruptcy. They enable consumers to rebuild (or maintain) their credit rating and catch up on payments honestly, while lowering interest rates and stopping creditor harassment.

Feeling overwhelmed about your debt?
You're certainly not alone.

Over 40% of American families spend more money than they earn.
The average American household has nearly $10,000 in credit card debt.

If you are looking for a debt consolidation or settlement solution, use the form to the left to quickly find help; or visit our consumer directory for more information on a selection of companies that have an online presence.

If you're trying to learn more about paying off your debt, visit our learning center for more information, or check out our article directory for perspectives, debt management tips and other help.