Debt Consolidation -
Pennsylvania's Trusted Name in Debt Relief
See If You Qualify 1-877-804-8490
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!
  • $40,000 debt relief savings estimate 18 minutes ago in Virginia Beach, VA
  • $30,000 debt relief savings estimate 4 hours ago in Rustburg, VA
  • $122,000 debt relief savings estimate 7 hours ago in Rural Retreat, VA
  • $35,000 debt relief savings estimate 8 hours ago in Waynesboro, VA
  • $31,000 debt relief savings estimate 8 hours ago in Emporia, VA
  • $31,000 debt relief savings estimate 9 hours ago in Emporia, VA
  • $106,500 debt relief savings estimate 15 hours ago in South Boston, VA
  • $37,500 debt relief savings estimate 16 hours ago in Virginia Beach, 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.

Consolidation - Pennsylvania

During difficult economic times, many residents of Pennsylvania are finding themselves in need of credit card debt consolidation. While "debt consolidation" is a term that's often used as a "catch-all" for the many forms of debt relief available, what it involves is combining credit card and unsecured debts into ONE, easier-to-manage, and more structured payment plan made to a credit counseling agency.

While debt consolidation may be a smart move for many consumers, it is certainly not the only option. As a consumer, you have other debt relief alternatives, including debt settlement and bankruptcy. As a form of debt relief, debt settlement allows you to negotiate with credit card companies at a significantly reduced amount than what you currently owe. These days, both debt consolidation and debt settlement are widely used alternatives to bankruptcy - which can negatively impact your credit rating in a more damaging way and for a longer period of time.

To find out your debt relief options, take a moment to answer a few, simple questions and get a free debt relief estimate, along with a savings quote.

How You Can Benefit From Consolidation

Depending on your debt situation, debt consolidation may help you not only reduce your debts but also give you guidance on managing your finances. Often facilitated by credit counselors, debt consolidation involves combining all your unsecured debts (like credit cards, medical bills, or utilities) into a single, more structured, and more manageable payment plan. Here's a typical scenario:

Following a review by the credit counselor of your obligations and overall ability to pay off your debts, the counselor will - on your behalf - propose to your creditors an offer which could result in a reduction of interest rates, or removal of late fees and penalties. Creditors that agree to extend these favorable repayment terms are then entered into a debt management plan (DMP). The goal is, that you as the consumer can, hopefully, pay down your debts sooner than if you only continued to make the minimum payments at higher interest rates.

What to Expect With Debt Settlement

If you have the type of debt that qualifies for debt settlement, you will typically have the opportunity to negotiate with creditors for a reduced amount of what you originally owe. For many consumers, debt settlement or negotiation may offer an honest and legal way to pay back their debts without declaring bankruptcy.

Keep in mind, however, the potential risks involved: When you enroll in a debt settlement program, your credit score will typically decline because when you settle your debts, it usually involves "falling behind" on your payments in order to set aside funds that can be used to make a settlement offer (or what's also called a lump sum payment). In addition, as you fall behind in making payments, you can also face legal action for, essentially, defaulting on the terms of your credit card agreements.

But, in spite of all these risks, debt settlement has become a popular alternative for many consumers who want to avoid declaring personal bankruptcy.

How to Choose a Debt Relief Company

When deciding on a debt relief company, take the time to do your due diligence and choose one with a positive Better Business Bureau (BBB) rating - this ensures that the company has a good track record of successful settlements or customer service. Another important consideration is to understand how much you can potentially save, how long it will take for you to realize those savings, and the impact to your credit score.

That's why it's a smart move to compare and review all your debt relief options to make sure that you will find the right approach to solving your debt crisis. Find out how debt relief can help you by requesting a free debt relief estimate and savings quote.

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
– Indianapolis, 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
– Indianapolis, 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...
$10,000 debt relief savings estimate
– Lexington, KY

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
– Gardena, CA

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
– Atlanta, 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
– Fuquay Varina, NC

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
– Bridgeport, CT