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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 1 month months
 Monthly payment   $
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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
For a FREE Consulation fill out the form below
For a FREE Consulation fill out the   form below
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Unsecured Debt: *

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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

Eliminating Credit Card Debt

Debt settlement is a process of debt elimination for less than the actual amount owed to the creditors. If you are already struggling making your monthly payments to your creditors, debt settlement can be a sign of relief. Instead of paying your creditors you need to save some money on a monthly basis. When you have saved some funds, we start settling with Debt Collectors and Settling with Debt Creditors. This process is also known as Debt Negotiation and it can be a good alternative to bankruptcy.

How does it work?
Debt settlement is a legal agreement between both debtor and creditors to negotiate a settlement of an existing legal debt. This proactive approach is the most cost-effective option to pay off your current debt while avoiding the negative effects of bankruptcy. Debt Settlement is definitely the best bankruptcy alternatives. Anyone owing credit card debt, or any other unsecured debt, has the right to contact the creditors and try settlement. This practice however, takes time to master and certain skills to get the maximum benefits.
  • SAVE money: Creditors charge you late payment fee, over the limit fee and maybe few other fees when your debt becomes delinquent. In a debt settlement program, most of the times, you are supposed to pay 40% - 60% of the original amount. Thus huge savings for you.

  • One single monthly payment: You do not have to write 10 checks; you need to make one single monthly payment towards your trust account.

  • You decide your payments: In this program, you decide how much you can afford every month.

  • The biggest benefit is you become debt free: If you keep paying your minimum monthly payments to your creditors and do not spend a single dollar on your credit card, it might take years for you to get out of debt. Please try our Free Debt calculator.

Debt Payment

Is Debt Settlement the best option for you?
Debt settlement is a good option for you if:

  • You are facing financial hardship.
  • You are finding it really difficult to keep up with your monthly payments.
  • You are considering bankruptcy.

Read this to know why Debt Settlement is better than Bankruptcy.

Do you qualify for Debt settlement?
Almost all types of unsecured debt qualify for Debt settlement.
Here is a list of some of the debts that can be settled.

  • Credit Card Debt

  • Store card debt

  • Unpaid medical bills

  • Credit union credit card debt

  • Old utility bills

  • Unsecured Personal Loans

  • Pay Day Loans

  • Private Student Loans

How to settle your debt?
You can settle your debt on your own; all you need to do is contact your creditors; however we would suggest you to hire a Debt settlement company. The process of debt settlement is not that tough. Typically, all debt settlement companies create a trust account for you. Every month you save some money in that trust account. The settlement company then negotiates with your creditors or collection companies for a reduced and affordable amount. An efficient settlement company can reduce the payable amount to 40% - 60% of your original amount. If you want to Do it on Your own, please feel free to read our guide on Debt Settlement, Do it Yourself.

It is possible that creditors and collection agencies deny negotiating with you. They prefer to create pressure on you to collect more money. They might threaten you. Even if they agree to negotiate with you, they are unlikely to give you a good deal. We have settled many accounts at 20% of original debt in the past. Thus it is always better to employ a reputed debt settlement company. The settlement companies have the experience and know very well how to deal with creditors and collection agencies. In short, it is better to leave the job to pros.
Moreover, how would you like to spend your free time?

  1. Dealing with tough collection companies or

    Enjoy with your family.

Settling Credit Card Debt

Why us?
There are many reasons why you should opt for us:

  • Years of experience in Debt settlement.

  • Hundreds of customers who have benefited from our services.

  • You decide your monthly payments, as per your budget. We give you different options; you choose the best that suits you.

  • We open a trust account in your name. You own the account, you own your money.

  • We charge a very nominal fee and thus save you the most.

  • We work out a deal with your creditors and inform you, if you like it, we do the settlement.

  • Avoid bankruptcy that can follow you for 10 years.

  • Collection calls protection: We coach you how to handle rude collectors. Fair Debt Collection Practices Act is the law that regulates debt collection practices. We educate you about your rights and the law, thus empower you to handle collectors.

  • Free Credit restoration: We offer 3-5 rounds of credit restoration free of cost.

  • Knowledge sharing: We brief you about laws that govern the collection practices. (FDCPA)

  • Highly trained staff to suggest you the best option as per your financial condition.

  • Excellent customer service department: We listen and act. If you face any type of problem during the program, all you need to do is call our Customer service department.

Latest News : 23 Jan 2010

Debt settlement is one of the most affordable ways to get out of debt. If you're thinking of filing for bankruptcy, it may be a better choice for you. Debt settlement works best for people who cannot pay their bills, are behind in their payments, or are considering bankruptcy. It is not designed for consumers who have small amounts of debt or who can still make their payments. It is a more aggressive approach to getting out of debt, and is not right for everyone. But debt settlement is a proven method that does work . More News

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We Offer Debt Settlement in Following States :
Debt Settlement Alabama Debt Settlement Alaska Debt Settlement Arizona Debt Settlement Arkansas
Debt Settlement California Debt Settlement Colorado Debt Settlement Connecticut Debt Settlement Delaware
Debt Settlement Florida Debt Settlement Georgia Debt Settlement Hawaii Debt Settlement Idaho
Debt Settlement Illinois Debt Settlement Indiana Debt Settlement Iowa Debt Settlement Kansas
Debt Settlement Kentucky Debt Settlement Louisiana Debt Settlement Maine Debt Settlement Maryland
Debt Settlement Massachusetts Debt Settlement Michigan Debt Settlement Minnesota Debt Settlement Mississippi
Debt Settlement Missouri Debt Settlement Montana Debt Settlement Nebraska Debt Settlement Nevada
Debt Settlement New Hampshire Debt Settlement New Jersey Debt Settlement New Mexico Debt Settlement Wyoming
Debt Settlement New York Debt Settlement New Carolina Debt Settlement North Dakota Debt Settlement Ohio
Debt Settlement Oklahoma Debt Settlement Oregon Debt Settlement Pennsylvania Debt Settlement Tennessee
Debt Settlement Rhode Island Debt Settlement South Carolina Debt Settlement South Dakota Debt Settlement Virginia
Debt Settlement Texas Debt Settlement Utah Debt Settlement Vermont Debt Settlement Wisconsin
Debt Settlement Washington Debt Settlement Washington DC Debt Settlement West Virginia
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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.