Credit debt relief is needed by those affected by the global financial crisis that plagued the world this decade and brought many to debt. Debt has become a major problem not only amongst Americans but other nationalities too. Many tried to avoid their financial situation and hoped that it will just disappear.

Hiding from, ignoring bill collectors or creditors will not make these debts disappear. Debt will only disappear if something is done to resolve them. Being skillful and getting all the help you need, will get you back into sound financial situation.

Debt consolidation is one credit debt relief programs that basically takes your pending bills, such as credit card bills, utility bills, and other unsecured loans that you might have incurred, and merge them into a single monthly payment that would suit your capacity to pay. Paying individual bills, can take a toll on your budget and such payments may even be compounded by the various interest rates that they carry. By consolidating these individual bills into a single monthly payment would make it easier for you to manage.

Consolidation loans may offer a lower interest rate than what was originally being charged on your debt. If you have been paying a higher rate of interest on your original loan, consolidation loans can look very attractive. In many cases, the lender will pay off your outstanding loan/s for you and then you will make a monthly payment to the lender.

Consolidation Loans can either be secured or unsecured. In getting a secured consolidation loan, any property such as a lot, house or car may be used as security for the loan you are making and may come with a lower rate of interest. On the other hand, with an unsecured consolidation loan, the debtor’s property is not used as security and because of that, the loan will bear a higher interest rate. With unsecured loan, the borrower is not at risk as his or her property is not being used to secure the loan.

Another credit debt relief program is a settlement program. A program aimed to prevent bankruptcy from occurring. It is a program that will have a negotiator or negotiator who will work on your behalf to reduce your debt with your creditors.

A settlement program is a much quicker and faster way to becoming debt free. Instead of money previously paying down the interest on your debts, the money will actually go to paying down the owed balance. A typical settlement program takes about 2-4 years to be debt-free. Your monthly payment will be instantly reduced. Also, the debt settlement company should assist you in getting the debt collectors to stop bothering you.

A debt elimination program is much more flexible and will help a wide variety of different financial situations. A debt settlement program might be a better choice of credit debt relief.

Debt Free Solutions is a debt consulting company located in Long Beach, CA. We have been in business for 10 years. We assist Americans across the U.S. to eliminate excessive credit card and other unsecured debt.

We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs.

We offer our clients much more than a debt settlement company does. The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more.

On the other hand, we provide free services to significantly help to minimize the risks that are involved wIth negotiating with your creditors.

First, we offer a free, no-risk 10 day trial service. During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.

Next, we provide a comprehensive credit repair service to all our clients. This is a $795 service that is absolutely free!

Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats.

Last, we provide a written guarantee that our clients’ creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate.

Our services are competitively priced- and include the above free services!