Compare Credit Card Debt Solutions

There’s no one right way to solve problems with credit card debt. Every financial situation is different, so the solution that what works for one credit user may not be the best choice for someone else. You need to understand all your options and compare them to find the best debt relief option for your needs and goals.

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Credit Counseling

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Debt Management Program

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Debt Settlement Program

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Debt Consolidation Loans

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How long will it take you to become debt-free?

Minimum payments can keep you in debt for decades and interest charges can add up to more that you originally charged. Use our free credit card payoff calculator to see how long it will take you to pay off your debt with minimum payments.

Debt Relief Options
There are many debt relief options and two popular solutions are debt management programs and debt settlement plans. A common misconception is that they are the same thing.

But they are actually two very different types of solutions.

A debt management program, or DMP as it is commonly referred to, is the relief option where you pay back your principal in-full but your interest rates are reduced or even eliminated.

You only have one payment to make each month, instead of several. And your credit score stays intact and may even improve while on the program.

The key to a successful debt management program is that more money goes to eliminating the principal while high interest rate charges end.

In comparison, with a debt settlement program, you don’t pay back everything you owe.

A debt settlement specialist negotiates with your creditors with the goal of getting them to sign off on a settlement offer, where they agree to reduce your principal so you only pay a portion of the original amount.
Once they agree to the debt settlement, the creditor receives their money from what you set aside in a ‘program savings account’.

After you complete a debt settlement program, you will enjoy freedom from debt but it may take a few months to a few years to rebuild your credit rating, depending upon your unique situation.

To find out which option is better for you, fill out our form or better yet, call us now. We’ll match you with the best solution for your situation, for free. We’re A-plus rated by the Better Business Bureau and have helped thousands of people become financially stable.

So, don’t struggle any longer, give us a call. When life happens, we’re here for you.

Compare Debt Relief Programs

Getting professional help is often the fastest, easiest and most cost-effective way to get out of credit card debt. There are two relief programs you can use: debt management and debt settlement. With a debt management program, you pay back everything you owe to avoid credit damage. Then you reduce or eliminates interest charges, so you can get out of debt faster, often with lower monthly payments. By contrast, debt settlement gets you out of debt for a percentage of what you owe. It’s usually the fastest, cheapest option to eliminate debt. However, it will cause some damage to your credit score.

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Mapping America’s Debt

If you’re facing challenges with credit card debt, you’re not alone. The average household that uses credit cards owes over $15,000. In most states, credit users utilize more than 30% of their available credit, which leads to lower credit scores. Bad credit limits the number of options a consumer can use to find debt relief. So, the more debt you need to pay back, the less likely it is that you'll be able to use do-it-yourself solutions successfully.

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Calculate how long it would take to pay off your debt alone versus using a trusted consolidation program.


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Have Questions about Credit Card Debt?'s panel of certified credit experts answer questions from consumers about credit card debt. Whether you have questions about the best credit cards to use or you want to know the best way to get out of credit card debt, we can help. Here are some of our most popular questions about credit card debt.

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