The reason why consumers are showing more interest in the consumer debt relief programs is because of the current economic uncertainty. More and more consumers are struggling just to be financially afloat. Debt is taking a huge toll on personal finances and the majority of this debt is due to credit cards.

There are many programs in place to give consumer debt relief to those who are in need. The programs are designed to provide you not only debt reduction but also debt elimination over a certain period of time. And you do not have to file for bankruptcy to avail these programs.

Two of the most popular consumer debt relief programs are debt settlement and debt consolidation loans. Choose the one that fits your needs. For people who are burdened with numerous debts, another program known as consumer credit counseling can help. This is an educative program that will make you understand the various ways and means of managing your finances. Some credit counseling programs work with lenders on your behalf to reduce the monthly payments or extend payment terms.

The most advantageous consumer debt relief program is known as debt settlement. A debt settlement organization mediates on your behalf.

They negotiate with your creditors to settle the debt for a fraction of the originally owed amount. Debt settlement can reduce your debt by up to 50 to 70 percent. Also, the program takes about 2-4 years to be debt-free. In addition, your monthly payment is immediately lowered.

If you are struggling with unsecured debts, it is time to get out of debt. Any of the above mentioned programs will help get your personal finances in order and start a new chapter in your life.

Debt negotiation services have more resources and experience to help you get the best payoff for your debt. They know which creditors will accept 30% of what you owe, and which ones will demand 70%. It can be well worth the investment to have a professional debt negotiator to facilitate your settlement.

Professional debt negotiation services will set up payment plans, similar to a debt consolidation company. You would still make monthly payments. Once your balance reaches the minimum needed for settlement of an outstanding debt, a professional debt negotiator will negotiate the settlement amount and arrange payment in full.

Using consumer debt relief programs may trim your payoff time down from 35 years to less than 4 years through professional debt settlement. You have the options to be debt free. All you have to do is choose a program that will suit your financial situation.

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 in 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!

Joseph Hernandez

CEO

Debt Free Solutions

www.debtfreesolutions.mobi

(800) 668-8090