Find your Financial Confidence

The range of debt relief solutions offered through 1-800-GOT-DEBT? is recognized by various terms: debt resolution, debt negotiation, and debt settlement. Debt relief provides you with the opportunity to address your unsecured debt (such as credit card debt, which lacks collateral like a car or house) by engaging in negotiations with your creditors to reduce the outstanding amount. This negotiation process can be carried out independently or with the assistance of a debt relief program like 1-800-GOT-DEBT?.

Throughout the debt relief journey, the typical approach involves a deliberate decision to halt payments to your creditors while simultaneously accumulating funds within a specialized account (referred to as your 'dedicated account' by 1-800-GOT-DEBT?). This reserved fund is intended to be utilized for settling your debt. Once a sufficient sum has accumulated within this account, the debt relief organization you've engaged contacts your creditors to negotiate a settlement figure that is lower than your present owed amount.

1-800-GOT-DEBT INC extends its debt relief program to individuals in the United States burdened by unsecured debt. This category encompasses debts such as credit card balances, personal loans, and medical expenses, all of which lack collateral like a car or home. Our program is specifically designed to assist those facing genuine financial challenges.

The 1-800-GOT-DEBT program is structured to bring about a resolution to your debt that is less than your current owed amount, all within an expedited timeframe. Initially, we conduct a thorough debt consultation, where we assess a range of options available for managing your debt. These options encompass credit counseling, bankruptcy consideration, and the possibility of a consolidation loan. Our aim is to guide you in determining whether debt relief, particularly through our program, aligns with your needs.

Upon your decision to proceed, we collaborate closely with you to craft a program that is tailored to your monthly financial capacity—bearing in mind that this sum might be lower than your ongoing minimum payments. Following enrollment, our adept debt negotiators devise a strategic approach for negotiations, with the objective of reducing your debt swiftly and facilitating a prompt resolution to your debt burden.