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Get Out of Debt 1 Evaluate Your budget Use our Budget Calculation Tool (http://www.totaldebtservices.com/budget_sheet.html) to calculate your debt to income ratio. One of our debt analysts will be happy to help you! 2 Compare your options While debt settlement is a great option for some consumers, it may not be right for you. Our debt analysts are available to help explain the differences between debt settlement, debt consolidation, Consumer Credit Counseling, and bankruptcy.
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3 Get the debt relief you need Fill out our online contact form to have us contact you, but why delay? Call 866-671-DEBT to speak with a Debt Analyst. 4 Learn how to stay out of debt Read the Total Debt Services blog for helpful information not only about debt settlement, but for ways to save money on your normal activities. Get Out of Debt
Are you looking for help with any of the following debts? :
Are you looking for help with any of the following debts? Credit Card Debt
Credit card debt is an example of unsecured consumer debt. Debt results when a client of a credit card company purchases an item or service through the credit card system. Debt accumulates and increases via interest and penalties when the consumer does not pay the company for the money he or she has spent.
Total Debt Services can help you get out of debt by settling your credit card debt for less than the full balances. Hardships happen to all of us and with the economy being tested how can you free up monthly cash flow? Call to speak with one of our debt analysts to discuss your options for debt relief, or click here to have us contact you!
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Medical Bills
MSNBC reports a Harvard study showing half of bankruptcies are filed due to high medical bills. Health care coverage is lacking and it's not just the uninsured that are feeling the crunch. Many Middle class Americans have been faced with a costly medical hardship that comes with overwhelming debt.If you are faced with medical bills and credit card debt and struggling, we can help! Debt Analysts are available to evaluate your situation and help you determine which debt relief solution is best for you.
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Student Loans One of the primary reasons for consolidation is to offer the newly graduated borrower a more manageable payment schedule. Student Loans are as unique as the individual and therefore the options are great. By consolidating your student loans, you could reduce your monthly payment by up to 52%.You may defer your student loan payments at any time while you are enrolled in school, be it half-time or full-time. If you are enrolled less than half-time, your lender/servicer may have school forbearance available to postpone repayment. However, when your account is on a forbearance, it continues to accrue interest that you are responsible to pay. Whereas when you are in deferment, the government will pay the interest on the subsidized portion of your loans.
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Although Total Debt Services does not do Student Loan Consolidation, help is a phone call away. Consolidation Campus can help you with your Federal and Private student loans. Call 1-877-LOAN-153 If you need a loan for current education costs, Consolidation Campus has a complementary site College Loan Campus where you can apply
Need help? Call Now!866-671-DEBT