Debt Relief

Debt happens for all sorts of reasons, and we're not here to judge anyone on why we find ourselves controlled by debt. What is important, is that you understand you can do something about it. 

We all know what it’s like to have debt hanging over our heads. It’s like a dark, heavy cloud that won’t let us see three feet in front of us. It makes us feel stressed, it causes arguments with our favorite people, and it stops us from living the lives we deserve.

Debt happens for all sorts of reasons, and we’re not here to judge anyone on why we find ourselves controlled by debt. What is important, is that you understand you can do something about it. 

You can get out. It’s not too late!

You may be feeling like you’ll spend the rest of your life paying these debts off, and that it’s just something you’re going to have to deal with. However, there is a map (actually several maps) on how to get rid of debt and finally live your life to its fullest potential.

The fact that you are reading this shows that you are ready to take control of your financial future and live with freedom and certainty, so you are already off to a good start.

So let’s do this shall we? Let’s talk about what it’s like to be debt-free, debt mistakes to avoid, and then we’ll cover six proven ways you can get out of debt ASAP.

We’ll cover:

Okay, take a seat, settle in, and by the end of this article, you’ll know everything you need to know about really, finally getting rid of your debt. 

What’s It Like To Be Debt-free?

Lying awake in bed, worrying about how you are going to cover the next lot of bills is far more common than you think — after all, the average American has debts of $90,460, and that number doesn’t seem to be going down.

On the other hand, it’s also tempting to daydream about what life would be like if you didn’t have any debt at all. What if you won the lottery and didn’t have to think about debt for another day of your life?

Fanciful thinking of course — but what if it wasn’t? What if there was a way for anyone to get out of debt, get a better credit score, and live a life of freedom and financial security? What’s even better, is that this would be a plan that didn’t rely on winning the lottery — you would do it all yourself, and earn your debt-free status.

Very soon we’ll talk about exactly how you can get rid of your debt for good — seriously. But for now, let’s do a little bit of visualization and really think about what your life would be like without any debt hanging over your head.

Better financial health means better physical health

This isn’t just something you would assume — it’s actually been scientifically proven that better finances mean better physical and mental health for people across the board.

Having cash on hand at all times means no more sleepless nights about curveball bills, and less stress. Less stress means better health outcomes for people across all walks of life, and that can only be a good thing.

Freedom, finally

What would you do if financial obligations didn’t matter anymore? Would you change your job, travel the world, start a business — or maybe all of these things?

Getting rid of debt would let you make big changes in their lives that they never thought were possible before. You might even be able to look at doing something you’ve always dreamed of, but never had the freedom to pursue before.

The best part is, you wouldn’t just snap your fingers and find yourself without debt. You would see it coming for months, even years in advance — giving you ample time to prepare and start planning for the future as soon as possible.

Freedom from financial stress would be a dream come true for most people, and it’s within your reach — it just takes the right plan, and determination to see it through.

Happier families

Perhaps unsurprisingly, over a third of divorces are due to financial problems. Money struggles can put huge stresses on relationships and families, and lead to many other problems.

Getting rid of debt would mean your family was financially secure, and you’d be working towards a better future. That means less stress and more happiness all around. Better yet, if you fix your family’s financial health early enough, you are setting an excellent example for your children so that the same mistakes are never made for another generation in your family.

Less debt means less wasted money

All of this boils down to one, fundamental truth — if you have fewer bills, your income is being used more efficiently.

That’s good news for anyone struggling with the basics of paying their rent or mortgage each month — but it also has another important implication that can help anyone looking for an improved financial future.

Being free of debt means there’s more money left over at the end of each month after all expenses are paid to save, invest in things like stocks and property, or just spend on luxury items. Whatever

Saving money actually becomes fun

No seriously! Once you get your money under control, and debt is no longer the controlling factor in your finances, saving money really does become fun.

When you’re no longer having to pay back a huge chunk of your wages each month, there’s plenty more left over for other things. And those fun little extras might actually turn into something bigger. Watching your savings account grow and grow can become incredibly addictive, making your savings habits even better over time.

Less temptation to spend recklessly

When you become more disciplined with your money, you start to see the things you used to waste money on. You’ll find yourself spending less on quick junk food, and more on healthy home-cooked meals. You might even start investing in yourself with gym memberships and hobbies you’ve always wanted to try.

Being more disciplined with your money becomes an endlessly wholesome cycle. Being financially disciplined makes you more likely to look for new ways to save and spend wisely, so you can keep growing your savings account. Then when it comes time to pay the bills again, you find there’s still plenty left over — maybe even enough to take an extra holiday each year.

More time and money for others

If there are any family or friends that might be struggling to make ends meet, once you’re out of debt they’ll have more money to help them. Rather than wasting all their free time on working out how to afford the latest medical bills, or who’s responsible for paying back that loan they took out with you — your loved ones will be able to start focusing on themselves again.

And if you share your techniques with them, there’s no reason why they can’t follow in your footsteps and become debt-free too.

You want to earn more money

Focusing on your debt takes so much energy that more often than not, you can’t focus on anything else. When debt is no longer taking up so much headspace, you will start to be much more positive about your financial future, and that often leads to chasing more opportunities at work.

With this renewed energy, you might even find yourself making some big decisions about your career that are bound to have a positive impact on your future earnings. This means being free of debt has the potential to bring in extra money from all angles — from being more productive at work, to being able to push for a pay rise.

Your net worth only goes up

It’s a funny thing when your mindset changes from debt to growth. Suddenly you find yourself thinking in a completely different way. Rather than stressing while you work out how to pay the next bill on time, your thoughts start to change. Maybe it’s about investing in a better future, or watching your credit score soar even higher.

It might sound strange, but when you become debt-free, being able to focus inwardly on things other than bills makes you grow as a person. You’ll find yourself thinking a lot more clearly about the future, and growing your net worth becomes a much bigger priority.

Suddenly your credit score is not so important

Again, this might sound a bit funny, but once you are debt-free, you don’t think about your credit score. Think about it — only people with lots of debt think about their credit score. People with no debt, on the other hand, have no need to think about their credit score at all, let alone worry about it. Having a good credit score is just another number that will look after itself if you stop worrying about it.

Work for yourself and be free of debt forever

If there’s one thing we’re learning, it’s that those who focus on their debt tend to be those who are stuck in jobs they don’t like. Maybe you’d love to follow a career path that would allow you to travel or work from home, but being in debt may have been holding you back from doing so.

Those who take the time to master their money once and for all will find themselves much more open to opportunities they might never have considered if their only focus was making the next payment. When you become debt-free, you become far freer to take that opportunity.

Once you are debt-free, the whole world is your oyster. You will no longer be restricted by your financial status anymore — now anything can happen!

You no longer live paycheck to paycheck

When you live paycheck to paycheck, things can be incredibly stressful — especially when money seems to leave your account faster than it comes in. Once you are debt-free, however, the pressure is lifted. You can actually plan how much money you want to make each month and your income will be able to meet it — rather than stressing over every single purchase.

Travel is no longer a luxury

Once you no longer have to commit so much of your money to bills and debt, exotic holidays are a real possibility, and might even become a regular occurrence. You can finally afford to spend that money on experiences rather than things.

You’ll be surprised at how often you might find yourself looking for a reason to travel even if it’s just down the road.

Budgeting becomes second nature

One of the worst parts of being in debt is worrying about your budget. Or even worse, sometimes people in debt don’t even look at their budget, because they’re afraid of what they might see.

When you are debt-free, or even just working towards being debt-free, budgeting becomes easier and easier. Suddenly you can see where you are spending money, and even more importantly, where it is going. And because you are no longer afraid of what your budget might reveal, you will pay attention to it more regularly, and therefore make more and more progress towards financial freedom.

Why People Fall Into the Debt Trap — Mistakes You Can Avoid

Debt is a part of life for most of us, but falling into a debt trap is another story altogether. For those firmly stuck in a debt trap, it means endless stress and worrying about how to pay for that next bill, or even worse, how to cope with an unexpected bill that you just can’t afford.

Falling into a debt trap can happen due to one large and unexpected bill — in fact, nearly one in five Americans have no money set aside to pay for an emergency bill. However, most people that fall into the debt trap do so over a period of time that they don’t even notice. Month by month, mistake by mistake, their debt grows and grows, until it’s too late.

It all paints a very grim picture, but there is a way to dig yourself out of the debt trap, which we’ll talk about soon. First though, let’s talk about the mistakes most people make that allow them to fall into the debt trap to begin with. Armed with this information, you’ll help yourself to avoid the mistakes so many others make.

Monthly installments exceed 50 percent of income

An equated monthly installment (EMI) is how much you pay each month for debt like a credit card or a car payment. It’s how much you pay monthly for one large payment over an extended period of time.

The EMI should never exceed half your income, which means that if you bring in $4,000 a month, then your total debt payments should be a maximum of $2,000 a month. If they’re more than that? You might be in trouble.

If your EMI is greater than 50 percent of your income, you should begin to look at ways to reduce it as soon as possible. If you can’t, then you need to take a serious look at how much money you make and decide whether or not it’s enough for your needs (hint: it probably isn’t).

Using credit for daily expenses

If you are using your credit card to pay for your daily expenses, then you are building up debt faster than it can be paid off. You are essentially paying interest on the same money over and over again, so rather than being able to get out of debt, you’re just sinking further and further in.

While it’s not always possible to avoid using credit, you should do it sparingly — or find an alternative way of paying for your daily expenses so that you are only ever building up one form of debt at a time.

Maxing out credit cards

As we said above, using your credit card to pay for your daily expenses is akin to giving yourself a pay rise without making any more money. However, not only is it unhelpful towards getting you out of debt, maxing out your cards can harm your credit score.

If you max out one card (which means spending as much as you can afford, just short of the credit limit), then your credit score will take a significant hit. If you max out more than one? You’re going to have a very hard time getting approved for any type of loan or credit card in the future — and if that’s what you rely on, then you probably won’t be able to make your payments in the future, either.

Making only minimum payments

In the US, many loans have a monthly minimum payment required by law — this is essential, because it helps ensure that the loan will be paid off in a timely manner. However, some people don’t look at their loans in terms of all the money they owe over time, only the minimum payment required every month.

This results in paying hundreds or thousands of dollars extra on your loan when you could have simply paid it off in full. This is because the minimum payment only reduces the total amount of interest you’ll be charged, not your principal balance — so if you can pay just a little bit more than the required amount each month, why not?

Becoming complacent and ignoring your debt

The worst thing you can do is just ignore your debt, even if it’s being managed through a repayment plan. Because eventually, something’s going to come up — an emergency, another loan gone wrong, an unexpected expense — and when that happens, the problem with your debt will be impossible to ignore any longer.

And by then? Your options might be limited, your credit could be shot, and you’ll have to make some hard decisions.

Don’t let that happen to you — take control of your debt now. It may seem scary or overwhelming at first, but by working through it step-by-step, it will become manageable.

Getting a loan to repay another loan

This might sound odd, but some people get a new loan to repay an older one. And while this does happen on occasion, it’s not the best way to go about repaying your debt.

Firstly, you will have to pay another round of interest — so while it might help you get out of debt more quickly, the overall cost will be much higher. And secondly, this new loan may count against your credit score because it’s viewed as a sign that you’re overextending yourself.

There are better ways to repay your debt, which we’ll talk about later.

Ignoring your credit report

Your credit report is essential for helping you figure out where all of your money goes and how to best manage it.

It also plays a role in determining whether or not you’ll be approved for loans and accounts and at what interest rate. And finally, if your repayment plan doesn’t go as planned and you miss some payments and fall into debt again — where do you think that will show up? Yup, your credit report! 

It’s essential to check your credit report about every three months to see what’s going on and any potential problems. Don’t ignore it!

Using your credit card to withdraw cash

This is a tricky one, because some credit cards do offer this as an option. But it’s generally not a good idea to withdraw cash from your credit card and then pay interest on the balance you’ve withdrawn.

Credit card providers often charge high fees for withdrawing cash — we’re talking $5 – $10 per transaction! And if you only repay the minimum balance on your credit card, withdrawing cash from it will just make things worse.

Borrowing based on what you think you will earn

Americans are eternally optimistic, and that’s a large part of what makes our nation so great. However, that optimism shouldn’t have a say in how you borrow.

For example, if you borrow money based on how much you think you will earn in the future (regardless of whether or not that’s realistic), you could find yourself in even more debt than before.

As you pay your loan back, your income might go down or you could lose your job — all of which would make it harder to repay the debt.

So before taking out a loan, try to be realistic about what you’ll earn in the future and whether or not that will give you adequate room to repay your debt.

Missing credit card payments

This might just be the single worst thing you can do in terms of falling into a debt trap. For one thing, it will mess with your credit score — which is bad enough. In fact, if you miss just one credit card payment by 30 days, it can lower your credit score by over 80 points.

But that’s not all — if you do end up missing a credit card payment, your issuer will likely raise the interest rate on your card to reflect it. And this will happen before you even miss the payment, so it’s kind of like paying for something you haven’t used yet.

It’s difficult, but try to always make every payment on time — even if it’s only the very minimum payment — it’s better than the alternative!

6 Proven Strategies To Get Out of Debt ASAP

Here’s a fair warning before we get into this stuff. Firstly, yes, it all works — for real. Secondly, and most importantly, none of this stuff is easy, and none of this stuff will work overnight. It will take time, effort, and most of all, discipline. But back to our first point, if you are willing to put in the work, it will work.

So with that being said, let’s go over six proven strategies to get out of debt ASAP. The first four we cover will involve getting outside help from a financial company, and the last two are what we call DIY solutions, where you guessed it, you can do it yourself.

We’ll make it pretty clear what all the pros and cons of each are, so by the end of this section, you should have a very good idea of what the best solution for you will be.

Debt consolidation

Debt consolidation is very popular, as it certainly makes things much simpler for people that have lots of debts to lots of creditors.

Instead of having multiple debts to multiple companies, you’ll just have one big debt to a single company. However, the benefits don’t stop at simplicity — it’s also how they can help you.

Debt consolidation companies will generally offer you lower interest rates and monthly payments than your current loans do. This means that you’ll be able to pay off your debts much faster and save yourself a lot of money in the long run.

In addition to giving you those things, they’ll also set up a payment schedule that works for you — as well as do all the work required to pay off your debt for you. Just make sure that the interest rate is lower than the combined interest rates you had before, otherwise, it will actually end up costing you more money in the long run.

Another way to consolidate your debt is to not go to a debt consolidation company at all, but rather transfer all of your debts to a 0% balance transfer credit card. These credit cards let you transfer all of your debt into one credit card debt, while giving you a window of time with only 0% interest.

This sounds perfect, right? Well, not so fast — it is perfect if you are absolutely sure that you can pay off your whole debt before the 0% interest period expires, which is usually 12 to 18 months. Once that time is up, you can be sure that the credit card company will lump on a very high interest rate to make their profits. In fact, they are counting on the fact you won’t pay off your debts in time — that’s how they make their business.

If you aren’t 100% sure you will pay off your debts in time, it might be better to go with a company that specializes in consolidating debts.

Debt consolidation does have drawbacks, such as transfer fees, loan fees, and annual fees. If you miss a payment on your consolidated loan, it will have a much worse effect on your credit score than if it was one of your smaller loans. However, if you play your cards right, it will actually save you money in the long run.

Debt settlement

On the surface, debt settlement sounds like a dream — it involves the creditor agreeing that you can pay less than what you actually owe them! As usual, though, there is more to it.

There are debt settlement companies that can negotiate on your behalf, but they will charge you 10 – 25% of your total debt. On top of that, the creditors are under absolutely no obligation to reduce your debt at all — after all, they are running a business, and it wouldn’t be a very good business if they let go of the debt for everyone who asked.

So, as you can imagine, these companies need to be used with caution — as there is a good chance that the creditor will not budge at all. And even if they do, it might cost so much in fees that you would have been better off just paying them everything from the start.

In short — if debt settlement interests you, do your research before you agree to anything.

Credit repair companies

Credit repair companies promise to go into bat on your behalf, directly with the big three credit bureaus: Experian, Transunion, and Equifax.

These companies will try to get your credit score up by removing negative entries, like missed payments and late payments. They will also help you stay on track with your bills, while opening new lines of credit (if you need it).

Credit repair companies will charge depending on how large and complex your debt is, and so will range anywhere from $30 to $100 per month.

If all that sounds good to you — then go for it! It’s true that these companies can help you get your credit score up, and can even help you raise it by more than 100 points.

However, be aware that some of these companies may not be what they seem — as some people have reported signing up for the services only to find out later on that the company never did what they promised. Credit repair is a well-known target for scammers, so even if you think you’ve found one that is honest, check with your state’s Better Business Bureau to learn more about them.

If you’d like to know more about credit repair companies, you can read our article Navigating the Credit Repair Process — Your Ultimate Guide To Repairing Broken Credit with a Credit Repair Company.

Bankruptcy

Out of all the options we’re listing here, bankruptcy should be your last resort. It’s true that bankruptcy will help you wipe your debts clean — but it will also leave a very dark stain on your credit rating for up to 10 years.

You may want to wait until later down the road before filing for this option — as you can only file once every two to 13 years, depending on the type of bankruptcy.

Which leads us to those different types of bankruptcy. There are several types, but two main types:

Chapter 7: This type is known as liquidation bankruptcy. It involves the sale of all non-exempt property to pay off creditors, and has a waiting period before you can file again. If your debts don’t exceed your state’s limits (which vary from place to place), then you may be granted this type of bankruptcy. It will affect your credit score for up to 10 years.

Chapter 13: This type is known as reorganization bankruptcy, where you repay creditors a percentage of what you owe them over three to five years. This type also requires that your monthly income be higher than your state’s median income at the time of filing. In both cases, it will take up to 10 years before your credit score recovers.

Even if you do go with bankruptcy, you can’t just file for it for no reason — there are certain criteria that need to be fulfilled in order for this option to work. As you can see, it’s not an option available to everyone: for example, if your income is too high relative to the amount of debt you owe, you won’t qualify.

Even if everything else fits the criteria, it’s nearly impossible to get rid of student loan debt (which is the largest type of debt in America by a long shot).

In short — if at all possible, file for bankruptcy as your last resort. It works, but once it’s done, you can’t undo it.

DIY — get rid of debt yourself

Here’s what a lot of debt settlement and credit repair companies won’t tell you — you can actually do all of those services yourself, for free. So why didn’t we lead the whole story with that then? Well, to begin with, we wanted to be as helpful as possible by giving you all of the main options available to you, which includes paid debt services. But mainly, because it can be a lot harder than it looks.

Let’s take credit repair for example. Any American can contact the three major credit bureaus directly, and get a full record of their credit history. You are then free to go through each transaction, line by line, and figure out if those debts are legitimate, or incorrect. Once you’ve done that, you are also well within your rights to contact and negotiate the legitimacy of those charges/debts with those credit agencies.

The problem is, it takes time, dedication, and sheer, continued will to make it all happen. It’s not an easy process, and that’s why people pay companies to do these services for them.

Now let us turn to debt settlement. This option is a bit tougher than credit repair, as there’s no obligation for the credit companies to settle your debts. For this one, you basically have to do it all by yourself — talk and negotiate with your creditors, make the monthly payments directly to each creditor, and hope that your creditors agree to it in the first place.

In short, doing debt DIY is tough. It can be done, but most people find it just a bit too hard to do on their own.

However, there is another way to do it DIY.

Do it yourself with DebtClear

This one is a bit new, and a bit different, so that’s why we’ve left it to last. We’re pretty sure that after reading all of the other options, you’ll find this option quite attractive.

We’ve been looking at how traditional credit repair and debt relief companies work, and we found one big problem, and it’s not just how much money they charge you! The problem is that even if these companies can clear a lot of your debt, or even improve your credit score dramatically, the root problem still remains.

After they “solve your debt problem”, your debt problem hasn’t actually been permanently fixed. The attitudes and habits that got you into debt in the first place still remain. Many people end up with a false sense of confidence, and find that they fall into the same debt traps over and over again, or worse, fall into bankruptcy.

So what does DebtClear do differently? Well, it takes on the core beliefs and behavior patterns of an individual and makes them permanently change. If you’ve ever taken a personality test before, you’ll probably find this approach familiar.

DebtClear is a course that takes your hand and walks you through your habits, and then step-by-step, shows you how to change them, permanently. Think of it as a tailored education course for showing you how to be financially free forever. DebtClear isn’t just interested in clearing your debt, it’s interested in clearing your financial future for the rest of your life.

It’s different because it works. This is why this course isn’t free — the amount of insights, advice, and time that are put into each person is massive, which makes DebtClear extremely powerful.

So yes, it does cost money, but we believe that this cost is absolutely minuscule compared to the interest and fees of other services. In fact, DebtClear can empower anyone with unsecured debts to clear their debts by 80% or more.

With DebtClear, you’ll see a clear roadmap towards financial freedom. Your debts will be cleared, your credit score will go up, and the new habits you’ve been given from DebtClear will make sure that it never happens again. You’ll truly solve your debt problem for good.

Be warned though, DebtClear is not for everyone. Although we do a lot of the heavy lifting for you, you will still need to be dedicated to clearing your debt with the powerful tools DebtClear provides you. It will take time and effort, but we promise, the results are so worth it. You can read more about DebtClear and how it works here.

Financial freedom can be yours, you just have to take it.

If you have any questions about any of the solutions we’ve talked about in this article, please do reach out and contact us — we are dedicated to helping people get out of debt, and this is your first step to living with complete confidence in your financial future.

DIY Debt Relief

DebtClear

We’ve been looking at how traditional credit repair and debt relief companies work, and we found one big problem, and it’s not just how much money they charge you! The problem is that even if these companies can clear a lot of your debt, or even improve your credit score dramatically, the root problem still remains.

After they “solve your debt problem”, your debt problem hasn’t actually been permanently fixed. The attitudes and habits that got you into debt in the first place still remain. Many people end up with a false sense of confidence, and find that they fall into the same debt traps over and over again, or worse, fall into bankruptcy.

So what does DebtClear do differently? Well, it takes on the core beliefs and behavior patterns of an individual and makes them permanently change. If you’ve ever taken a personality test before, you’ll probably find this approach familiar.

DebtClear is a course that takes your hand and walks you through your habits, and then step-by-step, shows you how to change them, permanently. Think of it as a tailored education course for showing you how to be financially free forever. DebtClear isn’t just interested in clearing your debt, it’s interested in clearing your financial future for the rest of your life.

It’s different because it works. This is why this course isn’t free — the amount of insights, advice, and time that are put into each person is massive, which makes DebtClear extremely powerful.

So yes, it does cost money, but we believe that this cost is absolutely minuscule compared to the interest and fees of other services. In fact, DebtClear can empower anyone with unsecured debts to clear their debts by 80% or more.

With DebtClear, you’ll see a clear roadmap towards financial freedom. Your debts will be cleared, your credit score will go up, and the new habits you’ve been given from DebtClear will make sure that it never happens again. You’ll truly solve your debt problem for good. Be warned though, DebtClear is not for everyone. Although we do a lot of the heavy lifting for you, you will still need to be dedicated to clearing your debt with the powerful tools DebtClear provides you. It will take time and effort, but we promise, the results are so worth it. You can read more about DebtClear and how it works on their website.

Debt Consolidation

Debt Consolidation 101

Say you’ve got a bunch of different debts, all with different interest rates — debt consolidation allows you to pile all of those different little debts into one large debt.

The idea is that the larger consolidated debt will have a lower interest rate, so you can pay less interest over time. It also lets you make just one payment, rather than trying to manage lots of different payments each month.

To do this, you could get a 0% balance transfer credit card. This is a credit card that lets you transfer all of your debt onto it, and gives you a window of time where you don’t have to pay interest on it. 

While that sounds great, once that window of time (about 12-18 months) runs out, you’ll have to start paying interest, and that interest rate is likely to be pretty high. So if you don’t think you’ll be able to pay off your debt in that window of time, it’s not going to be a good option for you.

The other way to do it is to get a debt consolidation loan, where you’ll still have to pay interest, but the interest rate ideally should be lower than the added-up interest rates of your other smaller loans. 

Debt consolidation tools might be a great tool for a lot of people, but there are some drawbacks. There are likely to be all sorts of costs involved, like loan fees, transfer fees, and annual fees. If you miss a payment on your larger consolidated loan, it will also affect your credit score in a big way. And finally, credit consolidation doesn’t really address the underlying issue of why you got into debt — some people might actually get into more debt, because they feel like they have done enough to climb out of the debt trap. 

Reviews

Debtclear

For just $1, DebtClear lets you try out their proprietary “do it yourself” debt relief system. In truth, traditional debt relief companies have access to the same laws as you. You just have to know where to look. DebtClear’s membership program walks you step-by-step through the steps to clear over 80% of your credit cards and unsecured debt. With downloadable letters to send to the credit bureau and simulation call logs, you have all the tools you need to keep the extra money you would have spent on traditional debt relief.

Learn More

Accredited Debt Relief

If you don’t have the time and are okay with paying a little extra for it, Accredited Debt Relief is for you. With years of experience in the debt relief and financial services industries, they match their clients with personalized programs to reduce unsecured debt. Accredited Debt Relief strives to help others regain control of their finances by providing customized plans and guidance throughout their debt relief journey.

Learn More