Get Out Of Debt

Get Out of Debt

Solve your debt by yourself or with expert debt help
Which is Best to Get You Out of Debt?Debt Help to Solve Your Debt Problem

Debt Management Programs?
Debt Consolidation Loans?

Get the numbers about your debt

The first thing you should do is run our free Debt Auditor - Financial Independence Calculator and get an idea where you are, how much you'll be paying, and how long till financial independence.

Instead of getting a PhD in debt management, the simplest and most effective way is to task the experts with it and get their (often free) debt help. Get Me Out of Debt, provides third-party professional guidance in three main categories of debt problems: Heavy debt, Collector harassment, Credit repair.

Which Debt Solution is Best for You?

Debt Consolidation Loans

Who is a debt consolidation loan for, ideally? People who:

  • Cannot afford paying off all of their debts in a reasonable period of time
  • Can safely afford the monthly loan repayment without a miss
  • Have income available for payments not greater than 50% above current combined monthly minimums
  • Have a credit score above 670
  • Want to save money on high credit interest rates with a better rated loan
  • Have the discipline to fulfill their repayment obligations

Click here to learn more about Consolidation Loans, and to see what offers you can have

Debt Management Programs (DMPs)

Who is debt management for, ideally? People who:

  • Cannot afford paying their debts in a reasonable period of time
  • Can safely afford the monthly management company fee and payments without missing even once
  • Have income available for payments less than or not much more than the current monthly minimums combined
  • Will not be needing new credit cards or loans for the duration of the program (3 to 5 years)
  • Do not have a high credit score, rather 670 or below
  • Have the discipline to fulfill their payment obligations monthly

    Click here to learn more about Debt Management programs, and to see what offers you can have

Get better credit score and get approved

Another approach is Debt Settlement. These programs treat the debt itself, not just the payment arrangements.

Often, credit companies and creditors will be open to either lowering interest or even lowering the amount of debt. This is a negotiation. Having an experienced professional on your side to do it for you is extremely important for success. Learn more about reduction, debt settlement and renegotiation here.