How it Works

Getting Started

The process of debt consolidation begins when our certified credit counselors speak to your creditors in an effort to change your balances and interest rates. This is called negotiation. Our skilled and experienced credit counselors will outline the individual circumstances that led to your problems with debt and plead urgently on your behalf to have your balances negotiated.

These solutions are achieved in numerous ways. For example, if you have past late fees or over-the-limit fees - they can be negotiated (And if you have those fees, chances are your creditors are harassing you by phone and by mail. Once you enroll in our debt consolidation program, you'll never have to talk to your creditors again!).

Debt Consolidation

Next, the substantially-negotiated balances are combined (consolidated). You will now make one monthly payment that is significantly better than what you were paying on your combined balances before. This way you can live your life without having to resort to credit for daily expenses because your cash flow access is increased.

Our Counselors

Our esteemed credit counselors are the cream-of-the-crop in debt consolidation. They have carved out solid relationships with your creditors. Because your creditors know and trust us, they are willing to work with us to get you the lowest rates possible. We have a proven track record of success with our past clients, and we will provide the same service to you.

You have enough debt. You don't need high fees to add to the problem. And because Debt Free Debt Consolidation represents a non-profit company, we are able to provide our top-notch services to you at low - low - low fees.

Debt Free Debt Consolidation is debt consolidation by the people, for the people. And we the people at Debt Free Debt Consolidation, want to help people just like you gain freedom from debt. You can rely on Debt Free Debt Consolidation.