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Welcome to our community. We bring you financial peace-of-mind with tools and tips for reducing your debt and repairing your credit, dealing with creditors, collection agencies, budgeting and much more.

The goal of our community is to make you debt free, improve your credit rating and stop collection agencies from bothering you. We will provide you with unbiased information to help you decide between debt consolidation, debt settlement, credit counseling and budgeting to become debt free. We will also give you the inside scoop on how to improve your credit rating and stop the collection agencies from harassing you.

By filling out this short form you will get FREE counseling & analysis over the phone ASAP.

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Using our Ranking Chart we refer you to the right credit consultant
  • Your current financial status.
  • Your State of residence.
  • The amount of debt you owe.
    1. Loans like credit card debts, home loans, mortgages etc
    2. Total Secured loans like mortgage / car loan / student loan.
    3. Balance on each credit card.
    4. If you own a home in which you might have some equity.
    5. Principal / Interest component of the total of each credit card.
Life is a gift to be cherished, so why worry about debts and have early wrinkles ? Allow us to handle your debt burdens. Apply today for credit counseling and a consultant best suited to your needs from our database of over 150 debt consolidation companies will contact you asap. It is time you enjoy a faster repayment scheme and have a debt free life.

As you start the journey towards a debt free life, we suggest you go through these articles:

  1. Debt Consolidation Overview: You are not alone! In our country on average people have 8 credit cards with a combined debt of $9340 which has grown at the rate of 5% annually.
  2. Benefits of Debt Consolidation: Packages like credit card debt consolidation are the most popular solutions to free you from debt burdens. It eliminates your debts by a huge 40-60% and also reframes the remaining amount into easy monthly installments.
  3. Avoid Bankruptcy: Through chapter 7 and chapter 13 bankruptcy you can hardly eliminate your debts. It is just a temporary relief from the continuous sufferings of debt.
  4. Credit Counseling: Avail our free credit counseling. We negotiate with your creditors and eliminate your debts to free you from debt burdens.

Recent active community discussions
Dec-10 I have paid my debt. I want to take action against collector by insulted
I am aware of the federal laws but want to get some help in dealing with the nasty statements made by a debt collector. He ...
Dec-10 how you can validate a debt by CollectorMatt
ok, there is a lot of talk here about how to validate a debt with a collection agency. i'll explain how to do this ...
Dec-09 discussion on pay day loans scams by CollectorMatt
ok, here's a question from a person who usually just has answers....it's as follows: how are pay day loans scams? if i understand it correctly, ...
Dec-09 I need some assistance with dealing with Sonic PayDay by Happner
I need some assistance with dealing with Sonic PayDay, if anyone, has dealt with these loan sharks and if anyone can offer any suggestions, it ...
Dec-09 A message was left with a very little info by confused
I received a call from # 18006640596 they left amessage with very little info when i callled the # back it was a recording ...
Dec-09 A S & Associates by klp
Hello, I need to know if anyone has heard of A S & Associates. I received a call from this lady at 866-331-6161 claiming to ...
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