Are you tired of spending your hard earned money on endless debt that never seems to go away? Do you find yourself needing to charge monthly necessities, such as gasoline, groceries and utilities on your credit cards? If you are one of millions struggling to make only the minimum payment on your credit cards and have no additional cash flow at the end of the month, or if you answered "yes" to one or more of the above, then we can provide a customized resolution for you. Today, 70% of Americans live paycheck to paycheck and 90% of marriages that end in divorce cited debt as the #1 cause. Debt sometimes happens just because life is that way, such as a lost employment, medical emergency or plain old bad luck. Debt can throw finances out of order and make it seem impossible to get back under control, or sometimes it is just because we spend more than we make just to make our monthly ends meet. Did you know if you make minimum monthly payments on $24,000 at 29% interest, it could take over 22 years to pay it off and almost pay $32,698.93 in interest only? Analysts are worried because household debt is at an all time high. If trying to get out of debt seems like trying to run a race while being tied to a chair at the starting line, and no matter how much energy you put into it you never seem to get anywhere, it's time to get some serious help. "Keep on doing what you are doing and you'll keep on getting what you are getting."

With debt settlement, your total debt can be decreased using mediation.

Unlike debt settlement, credit counseling does not lessen your debt the same way. Consumer credit counseling claims non-profit status and pretend to be independent. In fact, these non-profit agencies receive funding and support by the credit card companies. This is why consumer credit counseling companies do not negotiate your debts down; they only try to come up with a plan to make sure you keep paying your credit card bills every single month. They want to oblige consumers to pay as much money as possible to the creditors. Sure, they may help lower your interest rate a few points or skip a payment or even a couple, but the credit card companies are happy to do this when they know you are going to keep making payments that can be negotiated to a fraction with debt settlement. Additionally, since you are repaying 100% of your debt balance plus monthly interest charges (even after a reduction by consumer credit counseling), you could be in a consumer credit counseling program for a longer period than a debt settlement program.