Services:
Because no two debt problems are the same,
Done with Debt offers multiple solutions for individuals seeking assistance
with their creditors. Depending on the severity of your situation, a Done
with Debt certified debt counselor may recommend any one of the following
solutions: (please click on each title for additional
details)
Self-Help Rapid Debt Reduction - Least aggressive
approach. Does not reduce payment requirements or interest rates. Multiple
monthly payments directly to creditors. No impact on credit report.
Debt
Consolidation -
Program designed to get you out of debt in as little as 3.5 years. Requires
closure of credit accounts in exchange for reduced payment requirements and
interest rates. One monthly payment to consolidation company. Minimal impact
on credit report.
Debt Settlement
- Program designed to get you out of debt in as little as 2 years. Benefits
of significantly reduced payments and reduced payoff time in exchange for
significant credit impact and creditor harassment. One monthly payment to
settlement company. Significant short-term impact on credit report.
Bankruptcy - A last
resort. Program designed for immediate and complete debt relief. Chapters 7
and 13 available depending on the severity of your situation and your
current financial condition. Significant long-term impact on credit report.
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