(1) Provide information and resources to help individuals reduce debt by lowering way-of-life expenses, and reducing the cost of borrowed money.
(2) Provide resources for professional and government debt relief programs.
(3) Provide tools and educational info to help understand and calcualte debt.

Professional Debt Relief for Unsecured Debt

Unsecured debt relief is available through debt settlement, credit counseling and bankruptcy.

Debt Settlement - Covers unsecured debts including credit cards, retail/gas cards, personal loans, unpaid utility bills, medical bills and other debts not secured by capital.
Credit Counseling - Covers credit card debt.
Bankruptcy Filing - Covers most all debts, however many secured debts including your vehicles and home may need to be returned.

Professional Debt Relief for a Home Loan Mortgage

Home loan mortgage debt relief can be found through government resources.

Home Loan Modification - Covers home mortgage payments, it is not available to renters.

Professional Tax Debt Relief for IRS and State Tax Debt

There are many tax debt relief service providers available, be sure to interview several companies and their BBB ratings. We recommend the following tax debt relief service.

IRS Tax Debt - Find IRS and State tax debt relief and representation.

Government Grant and Bailout Money Information

Government grants and other resources are available for Education, Small Business, Community and Research purposes.

Government Grants & Bailout Money - Learn more about the truth and myths of government grants and bailout money.

From our prospective, saving money is the same as receiving money. Debt Freedom Tips provides dozens of debt relief tips, articles, ideas and resources to help you become debt free.

Quick Debt Freedom Tips

Tip 4: Despite popular belief, the Government DOES NOT offer a grant or bailout program for unsecured debts such as credit cards, personal loans, store/gas cards, medical bills, or judgments. This information is publicly displayed at Grants.Gov. Unsecured debts are best resolved through Debt Settlement, Credit Counseling and Bankruptcy.

Tip 5: Credit Score Breakdown:
760-850 is Superior
720-760 is Good
600-720 is Moderate
500-600 is Poor
< 500 is Bleak

Tip 6: Bankruptcy should be your last option when resolving your debts. It is the only debt resolution solution that is tracked long-term (10 years), may cost you a job, and is a lose-lose situation. Please consider Debt Settlement, Credit Counseling, and Loan Modification first; you can always file for bankruptcy later if needed.

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