Debt Free Life
Language : English | Espaňol
Take Your First Step Towards Debt Free Life
Hurry 1% discount on the service fees
Home Services Why us? Your options FAQs Calculator Blog Contact us
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.
Select State to calculate :
 1 month months
 Monthly payment   $
Saving $
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
Full Name: *
Email Address: *
State: *
Home Phone: *
Best Time to Call: *
Unsecured Debt: *

Apply Now


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

If you are on this page, it is quite possible that you are overburdened with debt. Maybe you are also facing a hard time making monthly payments.
So what are your options?
Do I need to file bankruptcy?
Can anything be done about it?
Well, we have answers to all these questions. Before we give you the various options you have, let us tell you something.
Every individual is different; similarly everyone's financial situation is also different. So, which option is best for you?
Let us first give you available options, then we will guide you how to select one of the options.

Debt Settlement
Debt settlement is a process of debt elimination for less than the amount actually owed to the creditors. In this process, you stop paying monthly instalments to your creditors and instead save the money. When you have saved at least 50% of the total amount, you start negotiating with your creditors for a settlement. This process is also known as Debt Arbitration or Debt Negotiation and it can be a good bankruptcy alternative.
If you would like to read more about Credit card Debt Settlement,Please click here. You may also contact us to know if Debt Settlement is the correct option for you.

Credit Card Debt Consolidation

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.

Consumer Credit Counseling Service
If you are not disciplined enough to create a workable budget and adhere to it, cannot work out a repayment plan with your creditors, or cannot keep a track of your monthly bills, consider contacting a credit card debt settlement counseling organization for credit card debt settlement. Many credit counseling organizations are non profit and work with you to solve your financial problems. Your financial institution, local consumer protection agency, friends and family also may be good sources to gain information about a reputable CCC organization. Consumer Credit Counseling allows you to pay back credit card debts at lower interest rates but you still pay back the full debts plus interest. CCC will also not save you money on collections and other unsecured debts. CCC also often will not accept credit card debt which is late more than 60 days.

Do nothing and be in debt for life
Unfortunately, this is the worst we can do to get out of debt and this is what most of us do. NOTHING. It is estimated that majority of us are in financial trouble and many will do whatever they can to continue making minimum payments for the rest of their lives and stay in debt for ever.


Latest News : 23 Jan 2010

These days, nearly everyone is concerned about credit card debt reduction... and they should be. Without question, credit card debt involves one of the largest interest rates. In order for consumers to improve their financial health, particularly with the potential for job loss or reduced income, credit card debt reduction must be a priority. In terms of interest rates, the trend has been that they are rising. Considering that back in May 2009 the average card rate was 13.94% and today it is a full 1% higher, credit card debt reduction is something that can easily curtail the amount of money we spend on our debt. More News

Latest Articles
Are you free of your debts? Are you free of your debts?
Debt Relief- the Hard Facts Debt Relief- the Hard Facts
Solution for Bankruptcy Solution for Bankruptcy
Know About Debt Settlement Know About Debt Settlement
Calls from Creditors Calls from Creditors
What Can Creditors Really Do What Can Creditors Really Do
Consolidation time  case of debt Consolidation time case of debt
Find a way to your debt problem Find a way to your debt problem
Latest Discussions
Debt Settlement Service? Debt Settlement Service?
Debt Settlement Company? Debt Settlement Company?
Think about Debt Free? Think about Debt Free?
Will I be debt free? Will I be debt free?
To Become debt free? To Become debt free?
Debt consolidation? Debt consolidation?
Debt Free Discussion? Debt Free Discussion?
Debt Negotiations? Debt Negotiations?
Greater Glendale
Credit Card Safe

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
:: :: :: :: :: :: ::
Copyright © 2007-2008 Unsecured Debt Settlement
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. Individual Results Vary and are dependent on successful completion of program and ability to save funds. Debt Settlement estimates of 40-60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results may vary based on individual circumstances.