Debt Free Life
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Debt Settlement Offers
  • Reduce monthly payments into half.
  • Decide your single Monthly payment.
  • Eliminate debt in 12-48 months.
  • Reduce your debt up to 50% .
  • Eliminate stress of overwhelming debt
  • Avoid Bankruptcy.
  • Eliminate collection calls.
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We Help With
  • Credit Card Debt
  • Unpaid Medical Bills
  • Business Credit Card
  • Unsecured line of Credit
  • Credit Union Debt
  • Utility Bills Debt
 
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For a FREE Consulation fill out the   form below
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CUSTOMER FEEDBACK

Real helpful and professional staff. Helped me avoid bankruptcy and become debt free. Patricia M, CA

These guys helped me avoid bankruptcy and get out of debt in less than 10 months. Unbelievable. Now i can really start a new life. Being debt free is what I'm looking forward to. Thanks again. Curtis M, CA

Your company has demonstrated that you are one of the best debt settlement companies by saving me more than $15,000. I really appreciate all the services your company provided during this critical period of my life. Tarsha J, FL

You have no idea how happy I am today. Thank god I called you guys and signed up for the debt settlement program. It has really changed my life. Now I am absolutely debt free, no collection calls, no credit card debt, complete debtfree living. Now I make sure I follow your advice about how to manage a debt free life and plan to die debt free. Willie D, CO

Last summer i lost my job. 2 -3 months i lived on my credit cards, but when i was not able to pay my credit card bills on time, i started having problems. More than finding a job, i wanted to get rid of debt. The only thing i could dream of was how to become debt free. A friend of mine told me about your company. I am really greatful to him for guiding me that day. Immediately i called up your debt settlement company. Today i am on my way to be debt free. Philip C, FL

When I could not meet the payments and the phone calls from creditors started to bother me every day, a friend of our family told me about your debt settlement program. After a year and a half, I paid off the loans and I could not have done it without your help. Willie D, MA

Thank you for doing such a wonderful job settling my credit card debts. So, once and for all, I will finally be able to get on with my life debt free. And I can breathe easier knowing that my debt is paid off. Thank you so very much. Johnny F, CA

I was searching the internet for a bankruptcy lawyer in my area. I don't know why all of a sudden i thought of some alternate, i did some research and came to this website. I called the toll free number spoke to Mary, a sweet, helpful girl. She briefed me about the complete program, asked me to sign some documents and gave me a plan which was affordable to me. They even helped me manage the rude calls from the collection department and briefed me about some laws that the collection agencies have to follow. I signed up for the program about 6 months ago. It will take me another 32 months to be debt free, but I am extremely happy that I found this website about 6 months ago. Arthur K, CO
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Avoid Bankruptcy

There are two primary types of personal bankruptcy: Chapter 13 and Chapter 7. Each must be filed in federal bankruptcy court. As of April 2006, the filing fees run about $274 for Chapter 13 and $299 for Chapter 7. Attorney fees are additional and can vary.

Note that personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. And unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or lien on it.

We are extremely confident that we can assist you avoid bankruptcy. All you need to do is, contact us once.

Read more

    Chapter 7 bankruptcy

    In a Chapter 7 bankruptcy, you request the federal bankruptcy court to erase your debts completely. You must turn over all your non-exempt property (or its equivalent in cash) to a court-appointed trustee, who sells your property to pay back your unsecured creditors.

    Advantages:

    • Can remove some liens from your property.
    • Filing bankruptcy puts a stay on all creditors, which eliminates garnishments, harassing calls, and credit reporting made by your creditors placed in the bankruptcy. 
      If you have no assets, then you are not required to pay anything to become debt free.
    • Provides debtor with a fresh start.

    Disadvantages:

    • Stays on your credit for up to 10 years.
    • Not a very pleasant experience: The bankruptcy trustee must approve almost every financial transaction you make while the case is open, which can be several months
    • Private employers have the right to refuse employment to someone who has filed bankruptcy in the past.
    • In October of 2005, Congress changed the bankruptcy laws, making fewer consumers eligible for Chapter 7
    • Needs no or low income to qualify.
    • You would be unlikely to qualify for most types of credit for several years.

    Chapter 13 bankruptcy

    In a Chapter 13 bankruptcy, you set up a court approved plan to repay your debts. Under the plan, the court determines your monthly disposable income, which you must pledge to a court appointed trustee, who in turn distributes it to your creditors for up to 5 years.

    Advantages:

    • If you are late on secured debt like car payment, mortgage payments, taxes, and student loans you can pay back those missed payments throughout the plan.
    • Like a Chapter 7, all collections activities must cease after you file a Chapter 13 bankruptcy.
    • One simple monthly payment.

    Disadvantages:

    • Stays on your credit report for 7 years, stays in court records for 20 years.
    • The bankruptcy is still considered by future employers, lenders, ect.
    • You are required to pay back a good percentage of your debt plus interest and the trustee’s monthly fee.
    • Court decides your monthly payments, which could be very strict at times.
    • For the next 5 years you are bound to pay all of your disposable income, which could be tough at times.

We are extremely confident that we can assist you avoid bankruptcy. All you need to do is, contact us once.For detailed information on bankruptcy, please read this FTC document: http://www.ftc.gov/bcp/conline/pubs/credit/kneedeep.shtm

Latest News : 23 Jan 2010

  
Too many people look upon filing for bankruptcy as an easy way out of their financial problems. But, even though bankruptcy may take away some of your immediate problems, it brings with it a host of other problems that have a lasting impact on your future. That is why many people struggle to avoid bankruptcy. More News

When you are facing serious debt burden, it's normal to think of bankruptcy as an option to help remove the debt or make the repayment of the debt manageable. Yet bankruptcy shouldn't be your first choice, but instead should be your last. Is there a way to avoid bankruptcy with debt management strategies that can help you get back on the right foot financially? More News

Becoming debt free is thought by many to be the impossible dream. That is especially true when debts are piling up and filing for bankruptcy is so tempting. You can live the dream life if you are willing to follow a plan for your financial recovery. More News

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Debtsfreelife is a website designed for information and awareness only, We do not sell customer information to any debt settlement company neither do we provide debt settlement services. Debts Free Life does not assume or pay any debt, nor does it give legal advice, offer credit repair or help stop creditor & collector calls.
Clients who sign up with reputed debt settlement companies and are able to stay with the program and get all their debt settled realize approximate savings of 50% before fees, or 30% including the fees, over 24 to 48 months. All claims are based on enrolled debts. Not all clients complete debt settlement program for various reasons. Estimates based on industry standards and claims made by various companies, which may vary based on specific circumstances. No debt settlement company guarantees that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. Debt settlement companies do not assume consumer debt, make monthly payments to creditors on behalf of customers or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss tax consequences of settlement.