Reduce Your Debt by up to 60% Without Having to Get a Debt Consolidation Loan

A debt consolidation loan is essentially one large loan transferred from other loans, usually taken out of the equity of your house, property or land. Despite its benefit of offering one easy payment plan, you could end up losing your property if you miss payment.

Remember, you are taking an unsecured debt and securing it with your most valuable asset!

Aside from having to qualify, which takes into account your equity, credit score and income, you will also be responsible to pay the loan in full.

Debt consolidation may be right for some people, especially if they are not at a risk of falling behind on their new debt payment schedule.

However, if you are struggling to make your payments, you should consider debt reduction, not debt consolidation.

This way, you are dealing directly with the problem, not temporarily avoiding debt problems.

Alternative to Debt Consolidation

If you are considering a debt consolidation, but are concerned about high interest rates and fees on top of risking your most valuable asset for collateral, there is an alternative.

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.