If you are drowning in credit card debt, Burden Free, Inc. may be your ticket to debt settlement. Take our Simple Debt Settlement Challenge to see if debt settlement is the right approach for your debt burden.

Debt settlement is a sensible debt elimination option. Sometimes also referred to as debt negotiation, it is a way to resolve runaway credit card debt, medical bills and debts, personal loans, and other unsecured debts that have gotten out of control. With this approach to debt control, our professional Debt Settlement Advisors negotiate with your creditors in an attempt to settle your debts. If you are in trouble with debt and on the brink of financial ruin, most creditors would rather negotiate for some payment rather than possibly winding up with nothing. A professional, trustworthy firm like Burden Free can serve as the intermediary to negotiate settlements on your behalf.

For many people, debt negotiation it is a superior solution to debt consolidation, which usually consolidates the total debt into a single loan and a single payment. Debt consolidation is often confused with the settlement or CCCS (Consumer Credit Counseling Service) process. With an actual debt consolidation, a consumer contacts a bank or credit union and goes through their qualification process to see if they can get a loan. If they qualify, the new loan, hopefully with the lower interest rate, will be used to pay off the other debts. The consumer has now done a “debt consolidation”. Many people use home equity lines and home refinances as a tool to consolidate excessive unsecured debt. Debt settlement, once again, is not a form of debt consolidation.

With debt settlement, your debt burden is negotiated to a lower amount, and settled through a reduced payment – sometimes cut by as much as half. In order to achieve this goal, Burden Free Inc. works with their clients creditors to come to an agreement known as a settlement letter. Debt negotiation is a faster, more efficient way for many people who are in over their heads to address runaway debt. By filling out our contact form or making a simple phone call, our Debt Consultants can help you to assess whether debt settlement is the right approach for your particular situation. Debt negotiation may or may not be the right approach for you – we'll give you the honest facts because we are committed to helping you find the right alternative for your situation.

If you've reached a point where debt has you worried, stressed, or at the mercy of collection agencies, make the call today – you have nothing to lose but your debt!

* Individual results for each program may vary based on ability to save funds and creditors willingness to negotiate. Program does not assume any debt or provide credit score assistance. Program not available in all states, so please review all terms and conditions of program prior to enrollment.