Manage your Debt!

Learn to Deal With Your Debt

Debt Strategies to Pay off Debt

There are six different strategies to pay off your debt. Make sure that you choose the one that best fits your situation, based on your income, credit, goals, and assets. There is no universally best solution, so check the pros and cons of each one..

Optimize Payments

Optimize Payments

Use the avalanche or snowball method to pay down your debt quicker.
Credit Counseling

Credit Counseling

Get help with our budgeting and financial plan and then consolidate debt with a Debt Management Plan
Debt Consolidation Loan

Debt Consolidation

If your credit is good, then look into a personal debt consolidation loan at a lower interest.


If you are seriously struggling then check out a Chapter 13 or Chapter 7 bankruptcy..

Debt Settlement

If you are in a financial hardship, learn about a debt negotiation program.
Cash Out Refinance

Cash Out Refinance

If you have equity and good credit and want a lower interest rate and low payments then check out a Cash-Out Refinance.

Deal With Debt - Compare Your Options

Lower your interest Rates

Compare Your Costs

Lower your monthly payments

Compare Your Payments

Protect your credit score

Protect your
Credit and Assets

Get Out of Debt Faster

Time it takes to
Get Out of Debt

Deal with Debt - Learn to Budget

Learn to Budget

Budgeting is a key part to managing your debt. It is possible to use the old fashion envelope system, or if you are up to speed keep tabs 24/7 through a Budgeting app. Budgeting allows you to track the monies that come in and out. That way you know just how much you have available to deal with your debt.

DIY or Professional Help

While some people are able to manage their finances and deal with their debt by themselves, others need professional help. It is a good idea to learn what are your best debt relief options and then seek out reputable professional advice.

Legal Debt Help

If you are delinquent in your payments, then you might be facing debt collection calls, laws suits, public judgements, and possibly wage garnishments, bank levies and liens. offers your resources to help you deal with your debt such as information about summons and complaint, collection laws, statute of limitations, and debt collectors.