Debt Relief – Free Debt Relief Advice was designed to provide consumers that are in credit card debt and unsecured debt advice free of charge by pairing them up with a debt negotiator, having helped thousands of consumers settle their debt for 30%-60% of their original balance, although results will vary considerably on a case by case basis. We are a legitimate alternative to bankruptcy in the debt relief industry and are here to answer all your questions regarding your unique financial situation. Please fill out our debt form for free debt help and advice.

Debt relief programs are available in just about every state in the U.S. however not all of them are as effective as others. It is critical that consumers know how to locate legitimate debt relief programs in order to get the most favorable debt settlement deal. A legitimate debt relief program will provide you advice for free however fees will vary depending on the program. Some debt settlement companies however will end up doing more harm than good. If you want to get out of debt then it is very important that you are able to distinguish between a good and bad debt relief program.

You should make sure that the debt settlement company you are talking with is a member of The Association Of Settlement Companies (TASC). TASC is a independent governing body of the debt settlement industry and qualifies companies based on their performance statistics as well as their ethical standards and consumer feedback. TASC is the watchdog in the debt settlement industry and all legitimate debt relief programs will be a part of this accredited organization.

Make sure that the debt settlement company has a refund policy and clearly states how their payment methods work. Any company who wants an upfront fee should be avoided. There are plenty of legitimate debt relief programs that are performance based meaning that they only collect a percentage of the money that they SAVE you not the total debt balance; an attorney model is also another legitimate option. By having a performance or attorney model based system, consumers can be assured that the company is diligently working to eliminate as much of your debt as possible. The more money they save you the more money they make.

Always avoid paying upfront fees and legitimate debt relief programs won’t ask for one in the first place. Debt relief programs will however allow you to pay into a monthly escrow account which they will use as leverage with your creditors during the negotiation process. Most consumers seeking debt relief do not have enough money to pay a one lump sun settlement payment. This monthly payment therefore is appropriate therefore for most Americans. When you have compiled enough funds in your escrow account to pay the settlement, the settlement will be paid and your account will be closed forever.

If you are over $10,000 in unsecured debt, late on your payments and want to avoid bankruptcy you really should consider getting a debt settlement. Creditors of unsecured debt are very concerned about collecting which means that debt settlements financially feasible for them. Once the economy turns around it could be too late to reduce your debt. If you think a debt settlement might be appropriate for your financial situation then it would be wise to get the process started by filling out the short form on Once you fill out the form we will match your information up with top performing debt relief program. A debt settlement specialist will then contact you via email and telephone to get the debt relief process rolling. Once again, if you have $10,000 or more in unsecured debt it could make financial sense to opt for a debt settlement if you are behind on your payments and want to avoid bankruptcy, especially in this market.