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If a consumer feels trapped by credit card debt, these credit card debt consolidation programs can help consumers in becoming debt free. Did you also know if you make minimum payments on $10,000 at 18% interest, it could take 25 years to pay off? We urge consumers to open up a statement, and compare the minimum payment due with the actual finance charges and fees.

When thinking of credit card debt relief, think of this as getting on new terms. Debt Management is not factored into your credit score. To compare the most common debt relief options, visit the Debt Relief Options page for a complete brake down.

Seeking debt help?

American Debt Solutions provides debt help through a contracted network of credit card consolidation, debt settlement and several other debt help options. Whether a consumer has credit card debt, department cards, unsecured loans, collection or repo accounts our debt educators are trained to analyze the consumers unique situation and propose the best debt help option.

Whether looking for Debt Consolidation, Debt Management or Debt Settlement our company can assist in your transfer to a leading debt relief agency. We do not charge for this service.

Consolidate debt through credit counseling:

	One monthly payment.
	Reduce monthly payment amounts.
	Reduce time frame by a fraction.
	Reduce interest rates and fees.
	Become debt free in 2 to 4 years.

Debt Settlement Advantages:

	One monthly payment.
	Dramatically reduce payment amounts.
	Stop harassing phone calls.
	Reduce debt by up to 60%.
	Save thousands upon thousands.

Debt Help

With the new laws that passed, consumers are now provided with a payoff duration on the actual credit card debt statements. The debt help options will help with existing credit card debt. At American Debt Solutions, we understand how credit card debt can seem like a never ending black hole. Thankfully, our debt help experts are ready to assist you when you decide to look to a debt management plan, credit counseling is a unique program designed by your creditors. When doing consumer credit consolidation, the interest rate along the minimum payments will be reduced. Non profit debt consolidation, is not factored into the consumers credit score. The debt help programs provide a great deal of benefits, give us a minute to break down these debt help programs.

When paying your own credit card payments, if you're not paying at least twice the minimum payment, these payments are pointless. When looking for a debt consolidation program, its very much like doing it on your own, but you have authorized servicing professionals doing it for you. Unlike debt settlement, the debt management program can assist you with the entire balance. If you want a comparison of debt consolidation vs debt settlement, our educators may be able to point you in the right direction.

Debt Settlement

A debt settlement program is designed for consumers who have credit card, collection or other delinquent debts, that cannot afford the high minimum payments that are typically required. Debt settlement is designed to help cut up to 60% off the actual balance. This allows the consumers to start over without filing bankruptcy. American Debt Solutions can assist you with a debt settlement solution with an authorized service provider, ranging from one to four years. Those whom are current with active credit card debt or seriously delinquent, qualify for debt settlement.

One solution we do not recommend, is ignoring the debt as it will not go away. Lawsuits and legal action is almost inevitable. Debt settlement is a great bankruptcy alternative.

Bankruptcy

The word bankruptcy alone, would bring a cold chill down any lenders spine. With programs like debt consolidation and debt settlement, bankruptcy should never be an option. With the bankruptcy laws past October 17th, filing would require that you seek a debt help program before you pursued bankruptcy. If your looking to start over, pursue debt settlement. Debt settlement allows you to become debt free in half the time. Of all bankruptcy alternative solutions out there, debt settlement would yield the lowest minimum payment.

Before you even contemplate bankruptcy, consider debt settlement or a similar debt help program. Remember the key differences between debt consolidation an debt settlement; debt consolidation works to pay your entire balance whereas debt settlement works to reduce the overall balance. More information on these topics can be found on the debt options link.

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	I would like to be quoted for debt consolidation

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