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You can consolidate your own debt. If we can do it for you, most likely you can do it for yourself. In case you don't find it comfortable to deal with the creditors directly, we will help you find the most reliable Debt Consolidation company in your locality.

Suppose you decide to do the debt consolidation yourself, this will save you approximately $20 each month that you are in a program with some company. Usually the debt consolidation program might last over 12 months to make you debt free. So over a period of 12 months this might save you $240. Though you have to make this choice with a lot of introspection.

In this section of the website, we provide you with a listing of steps. We tried to break the intricate process of debt settlement into easy steps. We also have a Creditors Database containing facts about creditors and collection agencies. Our well researched information on creditors is rendering much needed help to the debt struck. We are updating and adding new information to this database everyday. And since this is just a beginning we look forward to your active participation in enriching this section. We have following resources for your help:

• Creditors Database - list of creditors and collection agencies, incorporating their contact details along with standard creditor's debt settlement policies.
• Sample Letters - long list containing standard formats written to Creditors on different occassions, for you to choose from. Follow the mailing guidelines while contacting your creditors.
• Calculators - advanced & interactive calculators to solve intricate debt related calculations with a few clicks.

In our forum you can discuss your situation with other fellow visitors to the site. Some of our most experienced counselors also answer questions in the public forums whenever they have time.

We hope you will find this section useful.