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• Debt Help
• Find Debt Help
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  • Debt Consolidation Loans
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  • Bankruptcy
• Debt Help Options to Avoid
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• How to Stay Out of Debt
• Glossary

Benefits

• Consolidate bills into one payment.
• Reduce your interest rates.
• Lower your monthly payments.
• Get late fees waived.
• Eliminate collection calls.
• 24 / 7 account access.

Need to Learn More About Various Forms of Debt Help?

Glossary of Related Terminology:

• Debt to Income Ratio: A measure that compares a person’s total debt to their total income, expressed as a percent. The measure is a good indicator of person’s ability to sustain additional debt or determine if their debt load is out of sync with their income.
• Secured Debts: A Debt secured by collateral such as your house or car. If you default on the payments of these debts the collateral is subject to repossession or foreclosure.
• Unsecured Debt: A loan not secured by any assets or collateral. Examples would include student loans or credit card debt.
• Credit Card Balance Transfer: Credit card companies try to find new customers by offering free balance transfers from your current credit card to theirs. The incentive they provide is typically a very low interst rate of in many cases 0% interset for set period.
• Home Equity Loan: A loan secured by the equity in your home. They can be adjustable or fixed rate. The interest paid on these loans is typically tax deductable.
• BBB: The Better Business Bureau (BBB - www.bbb.org) is a private nonprofit organization supported nationally and regionally that provides services and resources to help consumers and businesses. BBB Accreditations indicate that the company in question has been reviewed and deemed ethical and legitimate.
• FTC: The Federal Trade Commission (FTC - www.ftc.gov) is an independent agency of the United States government. The FTC work to promote consumer protections and to prevent harmfull or anti-competitive business practices, such as monopolys or fraud.