Debt Freedom Tips - Consumer Advocacy Debt Relief Group

At Debt Freedom Tips, you will find abundant information and resources to help you reduce debt and become debt free. We provide detailed information about the many debt relief options available today, and to help you create a well-informed game plan for debt reduction. If you find that your situation is too extreme to remedy yourself, we provide you with professional debt relief resources capable of quick intervention.

Our goal is to help consumers become debt free, without filing for bankruptcy. We consider bankruptcy a worse-case scenario, and we will present you with many debt relief alternatives that can provide win-win solutions between you and your creditors.

• 1) Below are many financial scenarios. Find the scenario that best describes your financial situation, and we'll provide information to help you gain debt freedom.
• 2) General debt relief articles are regularly published, providing valuable debt freedom resources.
• 3) Our Debt Freedom newsletter is free, and is published monthly. Our newsletter features creative and practical solutions to help reduce debt. You can subscribe to the Debt Freedom Tips newsletter at the top-right portion of this website, and you may opt-out at any time.
• 4) Many debt relief resources & tools are available at Debt Freedom Tips, including a credit card debt calculator, books, government information, and more.

Common Debt Freedom Scenarios

The financial scenarios listed below escalate as you move down the list. Find which scenario best matches your financial situation for debt relief options that may best match your needs.

Debt Freedom Plan #1 - You don't have much money left over at the end of each month, but you are keeping current with your bills.
If this debt scenario describes you, learn more about your debt relief options.

Debt Freedom Plan #2 - Your debt is slowly building up, in particular your unsecured debts such as credit cards or a home equity line of credit. Debt balances are increasing from month to month.
If this debt scenario describes you, learn more about your debt relief options.

Debt Freedom Plan #3 - Your debt has built up over a period of many years. Your credit cards and other credit lines are maxed out, and you cannot keep up. You are late on payments, or soon will be. You may be receiving debt collection calls.
If this debt scenario describes you, learn more about your debt freedom options.

Debt Freedom Plan #4 - All credit lines are maxed out. You are several months behind paying major bills, such as credit cards, rent or your mortgage. Collection calls come daily at home and work. Debt collectors have threatened to escalate their efforts, such as filing a lawsuit.
If this debt scenario describes you, learn more about your debt assistance options.

Debt Freedom Plan #5 - All credit lines are maxed out. Many major bills are over 6 months late. You may have a judgment, lien or lawsuit filed against you. Your wages may be garnished.
If this debt scenario describes you, learn more about your debt recovery options.

Debt Freedom Plan #6 - You have experienced a sudden and dramatic loss of income, most likely from the loss of a job, lawsuit or accident/disaster.
If this debt scenario describes you, learn more about your emergency debt options.