Credit Card Debt Relief -
Ohio's Trusted Name in Debt Relief
See If You Qualify 1-888-407-9285
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Need Affordable Credit Card Payments?
See how much lower your monthly credit card payment can be. It's fast and easy to see if you qualify....
  • $30,000 debt relief savings estimate 22 minutes ago in Lynchburg, VA
  • $40,000 debt relief savings estimate 10 hours ago in Richmond, VA
  • $100,000 debt relief savings estimate 12 hours ago in Chesapeake, VA
  • $32,500 debt relief savings estimate 12 hours ago in Glen Allen, VA
  • $70,000 debt relief savings estimate 13 hours ago in Moneta, VA
  • $67,500 debt relief savings estimate 14 hours ago in Alexandria, VA
  • $60,000 debt relief savings estimate 14 hours ago in Virginia Beach, VA
  • $92,500 debt relief savings estimate 15 hours ago in Richmond, 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.

Credit Card Debt Relief - Ohio

Are you feeling anxious about your future because of credit card debt? If so, you're not alone. Like you, many residents in Ohio are also struggling to pay off their credit card bills due to any number of reasons, including unemployment, large medical bills, or an unexpected personal hardship. In addition, you may also be struggling with unsecured debts, which may include department store bills, medical bills, or any type of debt that is not tied to an asset that can be considered collateral (like a home).

So instead of worrying about the future and whether or not you can find a viable solution to your debt problem, why not explore your options? These days, you have many debt relief options available - like debt consolidation through credit counseling, debt settlement, or even bankruptcy. Debt consolidation, or a debt management plan (DMP), combines a consumer's unsecured and credit card debts into a single, more manageable, and more structured payment made to a credit counseling agency. On the other hand, debt settlement involves negotiating with creditors for less than what is originally owed. Both options have actually been gaining acceptance among consumers and have become popular alternatives to bankruptcy - which severely impacts one's credit rating, particularly those who had good or excellent credit prior to declaring bankruptcy.

If you want to find out how debt relief can assist you, request a free debt relief analysis and savings estimate - today.

Benefits of Consolidating Your Debts

Many consumers who seek debt relief may find debt consolidation through credit counseling preferable if they like the concept of having one, easier-to-manage, and more affordable payment - versus having multiple, high-interest credit card debts to deal with every month. Facilitated by credit counselors, debt consolidation or debt management typically begins with a review of your outstanding financial obligations as well as the amount of money that you can comfortably allocate to pay off your debts.

Afterwards, credit counselors typically send proposals to your individual creditors requesting more affordable payment terms - such as reduced interest rates or waiver of late fees and other penalties. Those creditors who accept the proposals are then placed into the debt management plan (DMP), and typically receive payment from the credit counseling agency. Those creditors that do not agree to the proposals still need to be paid under the original terms of that particular credit card.

The goal of debt consolidation is, with a more structured and more lenient payment plan, you can - hopefully - pay your debts at an accelerated and more predictable pace. Many consumers, particularly those who may need help with sticking to budgets and organization can typically benefit from a more structured and simplified payment plan.

To find out how consolidating your debts can potentially lead to savings, answer a few, simple questions and get a free debt relief estimate and savings analysis.

Debt Settlement: Pros and Cons

Debt settlement as a form of debt relief is, fundamentally, a different approach than debt consolidation through credit counseling. With credit counseling, you are paying the entire amount of your debts; with settlement, you are hoping to settle, or negotiate, with creditors for substantially less than what you owe. Many credit card companies view debt settlement as a viable alternative to selling off "bad debt" to third-party debt collectors who often pay them as little as 10 cents on the dollar.

For many consumers, debt settlement is a smart financial move, but like other debt relief options, it also has risks: When you enroll in a debt settlement program, for instance, you will be typically advised to stop paying your credit cards and start accumulating funds over a certain period of time that you can later use to make a reasonable settlement offer. Under this scenario, when you are essentially "falling behind on your payments," you risk of being sued for defaulting on the terms of your credit card agreements. In addition, when consumers settle with a credit card company, those that generally had good credit prior to settling may see their credit scores go down. However, in spite of the risks to their credit score, the impact of debt settlement is still not nearly as severe or long lasting as bankruptcy.

Comparing Your Debt Relief Options

If you are overwhelmed with credit card and unsecured debts, you can breathe a little easier because you have several debt relief options available. Keep in mind that because every individual's debt situation is different, it is a smart move to compare and contrast all your debt relief choices, and do your due diligence when selecting a company to work with. It may also be a good time to take an honest look at your spending habits, determining where you can make small changes that can add up to big savings later.

The bottom line is, there is help available for you if you want to take the next step in paying off your debts, without having to resort to bankruptcy. Make the smart move and request a free debt relief estimate and savings analysis - today.

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
– Crown Point, IN

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
– Crown Point, IN

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...

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
– Abilene, TX

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
– Lafayette, IN

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...

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 settle debts for much less than you owe.
Who we're helping right now...