New York's Trusted Name in Debt Relief
See If You Qualify 1-866-202-5732
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Which debt relief option saves you the most each month?
Find out today which debt option you qualify for and how much you could save!
  • $30,500 debt relief savings estimate 2 hours ago in Evington, VA
  • $125,000 debt relief savings estimate 3 hours ago in Powhatan, VA
  • $50,500 debt relief savings estimate 4 hours ago in Emporia, VA
  • $50,000 debt relief savings estimate 4 hours ago in Manassas, VA
  • $50,000 debt relief savings estimate 5 hours ago in Virginia Beach, VA
  • $100,500 debt relief savings estimate 5 hours ago in Virginia Beach, VA
  • $57,000 debt relief savings estimate 6 hours ago in Sterling, VA
  • $70,500 debt relief savings estimate 7 hours ago in Stafford, VA
BBB A+ Rated
Powered by Envoy
Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

New York - Debt Relief

Coast-to-coast and in all 50 states, many Americans are struggling with credit card debt and looking for a way out. The paycheck-to-paycheck scenario has become an unfortunate part of everyday life. Consumers in New York are feeling the pinch as well. The constant struggle of just "getting by" or paying minimums each month are a sign that you may want to seriously consider credit card debt consolidation. Debt consolidation programs can help consumers get debt relief by consolidating or combining multiple credit cards and other unsecured debts into a single, more manageable payment each month. This can not only help to remove stress over finances, but could potentially save a substantial amount of money as well.

Find out how debt relief could help you. See how much you could save. Begin online by answering a few simple questions to request your free debt relief analysis and savings quote.

Consumer Debt Relief Programs

With all the debt relief assistance and bailouts provided to banks and other companies, many consumers are requesting debt relief assistance as well. Unfortunately, there is NO GOVERNMENT BAILOUT for consumers and no government help for credit card holders looking for debt relief. No debt rescue packages, no subsidies, no-government-anything; at least when it comes to extending permanent debt relief for you and your credit cards. The good news is, there is genuine help for consumers who are going through difficult times and in need of debt relief: Real and proven relief that's helping consumers pay-down, reduce, or even settle debt for substantially less than is actually owed.

Even though the "inside the beltway" politicians refuse to bail out the everyday folks - hard working Americans who've fallen on tough times are getting real and meaningful help from credit card companies, companies willing to extend debt relief in the form of lower interest rates, and forgiveness of penalty and late fees. Settling or forgiveness for less-than-what-is-owed is also happening and is more prevalent than many might think.

To see what consumer debt relief options are available to you. Begin online by answering a few simple questions to request your free debt relief analysis and savings quote at no obligation.

Credit Card Debt Relief Options

A list of debt relief programs wouldn't be complete without including what many consider the debt relief of last resort: bankruptcy. While it provides the debtor with what's essentially a clean slate, and gives the individual a chance to start over, it does not come without a downside. It can take years (up to 10) to not feel the negative effects of a bankruptcy on personal finances and ability to get credit. Not only that, but in 2005, new federal bankruptcy laws were written requiring each person applying for Chapter 7 Bankruptcy to go through a "means test." To qualify for what's also known as "straight bankruptcy," debtors in the Empire State will need to earn LESS than the median or average income for families of their size in New York. The good news for consumers and those seeking debt relief is that in addition to bankruptcy, other, popular debt relief options exist.

Credit Counseling - Debt Management

This form of debt relief and one of the most popular alternatives to bankruptcy is known simply as credit counseling. In the credit counseling process, a consumer's debt can be consolidated, in other words, "combined" by taking all the higher interest unsecured debt (credit cards, medical bills, retail store cards, gasoline cards, utility company bills, cellular phone bills, etc.) and putting into one, reduced monthly payment. The lower payment - based on negotiations with the credit card companies by the credit counseling service - allows the consumer to pay off debt more quickly and efficiently than they could on their own IF THEY WERE TO CONTINUE TO PAY MINIMUMS AT HIGHER INTEREST RATES. The fact is, many consumers in New York, like the rest of the country, are finding themselves deep in debt, have fallen behind in meeting payments, and even if they're meeting payments, are often meeting only the minimum. It's a vicious circle and one that can take years to rectify. It's at this point some consumers realize the debt treadmill is spinning out of control and they turn to professional credit counseling advice and a workable plan aimed at becoming debt-free.

Working with the counseling agencies debt specialist, the debtor supplies all his or her credit and debt information - specifically unsecured debts and other unsecured obligations. The counselor then sets out to learn the debtor's income, total expenses, and what the debtor can comfortably put toward paying off the troublesome and mounting debt. Then, acting on the debtor's behalf, the credit counseling agency will negotiate with the various credit card companies, proposing a lower monthly payment by requesting lower interest rates, a removal of penalty and late fees, and generally a more lenient payment plan that favors the debtor's ability to pay and ultimate pay-off of remaining debt. As soon as each creditor agrees to the terms of the proposal, they'll be added to the list of creditors participating in the Debt Management Plan (DMP). Once the plan is implemented, followed correctly and continuously, debtors using the DMP can get out of debt more quickly.

To get your free debt analysis and savings estimate at no obligation, began by answering a few basic questions online about your current situation.

Credit Card Debt Settlement

Debt Settlement takes a different approach to debt relief, and is gaining popularity with consumers. Unlike the credit counseling approach (above), debt settlement seeks to settle outstanding credit card debt for far less than what is actually owed to creditors. The settlement alternative requires the debtor to place funds into a settlement account with the objective of creating a "lump sum" amount that can be used to pay off individual credit card companies. Many credit card companies view debt settlement as a more viable alternative rather than being forced to sell-off bad debt to third party debt collectors who may only pay the credit card companies as little as ten cents on the dollar. It stands to reason, then, that consumers who accumulate a fair and reasonable settlement amount greatly increase their chances of being successful in settling with credit card companies.

Keep in mind that, although debt settlement, credit counseling and other popular variations of debt relief have become increasingly popular for those deep in debt, it's important to know in advance how much money you are likely to save using these debt relief programs and the amount of time it will take to successfully "retire" the outstanding debt. And remember, the use of any debt relief program will have an impact on your personal credit - although not as long-lasting or severe as a personal bankruptcy.

To get your free savings quote and free debt analysis, begin by answering a few questions online.

# # #
Saving thousands of dollars feels really good!
Know your debt relief options.
People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Chicago, IL

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Chicago, IL

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Northridge, CA

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Belgium, WI

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– Richmond Hill, GA

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Rochester Hills, MI

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even resolve debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Hesperia, CA