Reduce Your Debt by up to 60% Without Consumer Credit Counseling

Consumers experiencing financial difficulties with paying credit card debt or loan payment on time may benefit from credit counseling offered by for-profit or non-profit organizations.

Credit counseling organization acts as an intermediary between you and your creditors and tries to reduce interest rates and fees on your debts.

However, even with reduction in interest rates, you will still have to pay the full balance plus some interest. Usually a higher monthly payment is required than a typical debt settlement or debt negotiation program since credit counseling does not reduce the balance themselves.

Consumer credit counseling may be the right solution for people who can afford the higher monthly payment that is required in such a program.

Some non-profit credit counseling organizations are funded and supported by the credit card companies who you are making payments to. This can create a conflict of interest, so be sure that the credit counseling organization is not collecting from both you and your creditors.

Alternative to Credit Counseling

If you're experiencing financial difficulties due to overwhelming debt, there is an alternative to credit counseling.

Debt settlement is the fastest and the least expensive option to get out of debt without filing bankruptcy.

Debt settlement, also known as debt negotiation, is a proactive approach for financially challenged debtors who are thinking of filing bankruptcy.

When you file for bankruptcy, the banks and the creditors run the risk of receiving nothing. That's why creditors are more than willing to negotiate the payment terms or settle the balance of the debt.

With the current economic turmoil and the worst job market in decades, millions of Americans are struggling with monthly loan payments.

If you are facing severe financial hardship, debt settlement may be a right solution for you rather than just making minimum payments.

We can help you:

• Reduce Your Debt by up to 60%^*1
• Be Debt Free in 12-36 Months.^*2
• Eliminate Credit Phone Calls.^*3
• Make Just 1 Payment.
• No Credit Checks.
• Avoid Bankruptcy.

Fill out the simple contact form or pick up the phone today. Find out how we can help resolve your financial situation through one of our exclusive debt settlement programs.

The consultation is free and there's absolutely no obligation.

* Actual results will vary based on individual situations and negotiations. Success in our program is highly dependent on your ability to save a specified amount consistently each month. Practical Debt Relief may be unable to get you debt free within 36 months. Practical Debt Relief makes no representation or guarantee that we will be able to lower your debts by a certain percentage.

*1 - Individual results may vary. Savings percentages are calculated at the time of settlement. This does not include fees to company.
*2 - Individual results may vary. Several factors determine the length of time in the program and reduction in monthly payment.
*3 - We notify your creditors of our representation and inform them that they should contact us with respect to settling your debt. Most creditor calls stop within 30 - 60 days.