April 05, 2010 16:30 ET

Spring Clean Your Credit Card Debt With New Debt Relief Programs Explains What You Can Do This Spring to Rid Yourself of Debt and Start With a Clean Slate

HOUSTON, TX--(Marketwire - April 5, 2010) -  With spring comes the tradition of starting fresh. Many consumers begin to clear out their closets and scrub the floors. Unfortunately, cleaning up their finances and getting out of debt don't make the list. In many cases consumers find themselves in massive amounts of debt with little hope in paying it off. Help is available; there are now debt relief programs available to get Americans out of debt easier and quicker without having to declare bankruptcy.

Many of the programs are heard of, but never truly understood. The most widely known are debt consolidation, credit counseling, and debt settlement. Unfortunately, some critics are skeptical of such debt relief programs. Yet, there have been thousands of people who got of debt using programs such as those mentioned.

In order to find the right program, one must understand how each one works. Debt consolidation works by combining multiple debts into one. In some cases the interest rates of this debt can be lowered or fixed. This program helps to organize a consumers various debts and make it easier to keep track of payments. It is important to note that all debts will still be paid in full.

Credit Counseling is targeted towards those with lesser amounts of debt. Those consumers who still have the ability to pay down their credit card debt are usually a good fit for the program. Credit counseling works by evaluating one's financial situation and forming a plan to pay off debts. In most cases a professional will advise what debts to prioritize and pay off first.

Debt settlement is the most recent program formed and most talked about. Debt settlement is when professionally trained debt experts legally negotiate with credit card companies on consumer's behalf. When successful, a settlement can cut ones credit card debt by up to 50%. This means the consumer only pays for half of their total debt owed. Over the course of 24 to 36 months a person will make small monthly payments and when the program is completed they will have zero credit card debt. offers consumers the chance to find out what debt relief program is right for them with a free informative debt evaluation.

Contact Information

  • Contact Rob Jones
    Address: 2500 CityWest Blvd. Houston TX 77042
    Phone # 713-793-6302