Debt Free Life
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Take Your First Step Towards 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


Debt Settlement

How do I know if I am a good candidate for Debt Settlement?
If you really cannot afford to pay your debt, if you are honestly facing a real hardship, if you have a load of debt and you cannot find out how to get out of this burden, we can definitely try to help you. To qualify for our debt settlement program, you must have at least $5,000 in unsecured debt. You should be willing to get out of debt. We have few other factors that we consider before accepting you into our program, like the state you reside in, your employment status, your combined assets, your monthly income Vs your monthly expenses. The best way to find out is to call us now at our Toll free Number: and talk to a Debt Specialist.

What kind of debts can be settled?
All kinds of unsecured Debts such as credit cards, departmental store cards, personal loans, medical loans, signature loans, gas cards and certain instalment loans can be considered in this program.

Why would the creditors agree to settle at a lower percentage?
Creditors agree to settle first and foremost because they know if a client files bankruptcy they will get nothing or very little. Creditors also are aware that legal action is costly and not always successful and so can cost them yet more losses. Lastly, if a creditor sells a debt they will likely get less than 10% of the amount owed for it, which is much less than a typical settlement offer.
Put simply creditors would rather take sure money now than less, nothing, or even losing money later on.

 Why can’t I do this on my own?
Like most services, you could try this on your own however; below are the advantages of working with us:

  1. As we have dozens if not 100's of debts with the same creditors and we can use this to get the best possible rates on settling debts in bulk. Moreover, our highly trained debt officers are likely to get better settlements using proven strategies.
  2. We coach clients as to how to reduce creditor calls based on their individual situation.
  3. We offer heavily discounted and subsidized legal support through a third party network of attorneys.

Why only unsecured Debt?
We accept only Unsecured Debt into our Debt Settlement program, because there is no collateral attached to it. For example: If you have a mortgage and you stop making payments, they can foreclose your property. Thus, it is highly unlikely that you will get a settlement with your mortgage company. Unsecured credit card debt allows the greatest leverage when negotiating, generally providing the steepest discounts and greatest success in reducing overall debt. Based on our experience Departmental stores, Furniture stores, jewellery cards settle at a higher percentage than usual.

I’m considering a home loan to pay off my unsecured debts
Right now, your debt is unsecured. That means, even if you default on your payments, the creditors cannot take any of your physical property away from you. If you secure it with your home and something happens where you can't make your payments, the roof over your head is at risk. Is that really a risk you're willing to take?

Do I need to make huge monthly payments to get into the Debt Settlement Program?
We understand that you are facing a financial hardship, so we design a program keeping in mind that even if you make bare minimum payments, you would be accepted in our program. On the other hand, it is always better to pay off your debt as soon as possible. Please check our Debt Calculator to find a comfortable payment plan that fits into your budget.

How does this affect my credit?
You are looking at this website because you are already facing a hard time paying your debts. Maybe you are already late on few payments, maybe you have maxed out some of your cards, maybe your debt to income ratio is already very high. If that is the case, then it has already affected your credit scores. If you go ahead and check your credit scores right now, you will find they are not the same as they were maybe 6 months ago. If you are so badly in debt and you cannot keep up with your payments, it is better to Become Debt Free first and then work on getting your credit scores back on track.
Your credit will decline initially until the debts can be reduced, thereafter your credit scores will get better again because one of the most important factors in evaluating your credit scores is debt to income ratio.
Apart from that, Debt Settlement is much better for your Credit Scores as compared to Bankruptcy or not paying your bills at all. As after due course of time, your debts settle and it says so on your credit report.
Moreover, once you have completed our Debt Settlement program and you are Debt Free. We will provide you with FREE Coaching on how to continue living a Debt Free Life and improving your credit scores.

Someone told me that it would show up like a bankruptcy
Actually, that’s a myth and a rumor that’s going around. Debt Settlement is not like a bankruptcy but rather is an alternative to bankruptcy. We have helped many people get debt free who were just on the verge of filing for bankruptcy.

Can my creditors sue me?
In the United States anyone can sue you at anytime for anything. Creditors can sue but this can be prevented by getting a settlement before it goes to trial.
Moreover, banks themselves prefer settling matters out of court, as they also need to spend money on legal costs. Often times the creditors are willing to work out a payment contract with you rather than pursue other options as they are aware that house values and even jobs are not any guarantee of funds to them as the house may never sell and the job can be lost.
Please feel free to read a complete article on the same: What Can Creditors Really Do to You?

Will I still be able to use my credit cards?
No. All Credit cards Debt accounts and other Unsecured Debt accounts should be closed. We do strongly suggest consumers to keep 1 active (and not enrolled in the program) Credit Card for emergency purpose if possible.

How long does the debt settlement program take to complete?
Well, this depends on you, how much debt you have and how much can you afford to save every month. Please call our Toll free number: to talk to a specialist who will advise you how much time it would take for you to Become Debt Free.

How much is your fee?
Our fee is already included in the settlement offer we quote you. You would just have to pay 55%- 60% of your outstanding debts; our fees are already included in that. Apart from that, you will have to pay $39 per month as the processing fees.

Debt Consolidation

What exactly is Debt Consolidation?
Debt Consolidation is a program which helps a Consumer who is heavy on debts to come out of it in a very easy and effective manner. It piles up all high interest debts of the Consumer into a single affordable low monthly payment.

What kind of debts can be consolidated?
All kinds of unsecured Debts such as credit cards, departmental store cards, personal loans, medical loans, signature loans, gas cards and certain installment loans can be considered in this program.

Does Debt Consolidation hurt a consumers Credit?
No, actually this program might help the Consumer to increase their credit scores as the creditors are paid on time that in turn are the ones who report to the credit bureaus.

What is the fee of the Debt Consolidation Company?
Yes, there is a nominal which is charged from the consumer to cover the operational costs. This fee is already included in the monthly payments made by the Consumers.
We do offer one of the lowest fees in the industry

Is it a Loan?
No, this program does not involve any loan. We do negotiate with the creditors to obtain better and lower payment plans. Then include all the debt accounts into one after negotiating on interest rates and monthly payments with all the creditors. This ends in Consumer paying a low monthly payment combined for all accounts.

How does the Consumer know that when and how are his creditors paid?
Every month the Consumer would be getting a mail from all the creditors on the payment received by them. Consumers can also check online for the same as a login id for the same would be provided by us.

Will the Consumer be still able to use his/her Credit Cards?
Once enrolled in the program the Consumer would not be able to use the Credit Cards.

Can’t a Consumer negotiate on it’s own with the Creditors?

Yes, a Consumer can do it on its own too but then Debts Free Life will be able to offer the lowest monthly payments for the Consumer as we are specialist for this program. We get the lowest rates, lowest payments and also we do work on late charges if any.

Will Consumers still receive collection Calls?
Once you enrol in this program for the first few months you still might receive them as the Creditors do not know by then that you have entered in to a Debt Consolidation program. But whenever you receive such calls you can directly call us and we do go ahead and ensure that these calls are stopped. If you get a harassing call from a collection agency we will provide you with a cease letter which has to be obeyed by the agency under Fair Debt Collection Process Laws.

Can a Consumer increase his payments or once his account is settled with one of the Creditors can they pay less?
Yes, both these things can be done. It is totally upon the Consumer to increase his/her payments as it makes them come of debt swifter. Secondly once the accounts with 1 or Creditors are settled they can contact us for lower payments as well.

Latest News

Just so far this year, the government gave away $800 billion in free government money - much of which was sent to individuals for their personal use. With debt relief grants, tax paying citizens can obtain $17,000 or more, regardless of income or credit. More News

Debt consolidation is a financial field that has been around for a very
long time and some of the largest banks in the world offer debt assistance programs, but lately there has been an increase in the number of organizations that focus only on debt consolidation and that has people asking questions. More News

Getting out of debt will take a plan. It will take waking up one morning and deciding you can no longer live with the stress of your financial obligations. At that point, you should research credit counseling, debt settlement, bankruptcy and making your own plan for paying off your debt. 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 North 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.