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Debt Relief Options

Debt Relief Options
You have options. Let's help you understand them.

Debt Relief Comes in Many Shapes .

So, you are buried in credit card bills. The late fees are piling up. The double-digit interest rates are making it nearly impossible for you to pay down the balance. And you are ready to do something about it? Congratulations! This is an empowering place to be. DebtBlue is here for you and wants you to know about all your options for getting out of credit card debt. Click on an option below to skip to that section and read more!

Option 1: Credit Counseling

Credit counseling provides consumers with guidance on consumer credit, money management, debt management, and budgeting.

Option 2: The Do-It-Yourself Program

You can begin working to reduce your credit card balances in several ways on your own.

Option 3: Bankruptcy

Not always the best option, the main advantage of bankruptcy is the fact that many of your debts will be written off.

Option 4: Debt Consolidation

If you have several high-interest credit cards and the interest rates and fees are getting too high, you can look for a consolidation loan.

Option 5: Debt Resolution

Debt Resolution is the process of having an expert Debt Negotiator work with your creditors to reduce the amount you owe, getting you out of debt in a shorter amount of time.

Option 6: Minimum Monthly Payments

Continue paying the minimum monthly payments on each balance, extending your financial burden and roadmap.

Credit Counseling

Credit counseling is a debt management tool that can help you manage your money and create a plan to pay off your debt. Credit counselors work with you to create a strategy to manage your credit and pay off your debt.



Concerned man wearing military fatigues speaking with a counselor.
A couple sit on the floor surrounded by bills while typing on a calculator.

DIY Debt Relief

You can begin working to reduce your credit card balances in several ways on your own. This method generally starts with cutting up your credit cards.




The biggest advantage of bankruptcy is the fact that many of your debts will be written off and discharged. Your debts are legally waived. The downside is that bankruptcy can remain on your credit report for 10 years.



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Older individual sitting at a desk with his hand on his head, while holding bills.

Debt Consolidation

Debt Consolidation is just what the name sounds like. It is the process of combining all of your outstanding credit card debts into one or “consolidating” your debts into one single debt. It’s a loan with the goal of better terms than your existing debt.



Debt Resolution

Debt Resolution firms negotiate with creditors on your behalf to get them to forgive, settle or take an offer for less than you owe.



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Frustrated man holding a stack of bills while working on a calculator.

Minimum Monthly Payments

It can be tempting to just pay the minimum every month. But in the long run, it will cost more money and it could snowball into serious credit card debt if you’re spending more than you can pay off every month. 



Pay Attention, Not Unreasonable Interest.

The Numbers Speak for Themselves.

A clear understanding of your situation makes it easier to determine which solution will work for you. Different debt management tools offer different results. Below you will find some examples and the impact they can have on your path to financial independence.

Keep in mind that these figures are for example purposes only. For a personalized quote, call us today at +1 800-787-0095 and a trained specialist from our team will discuss your situation and provide you with a solution for your unique circumstances.


Typical Results Shown
$ 20,000 Total Debt Enrolled
  • Months to Pay Off - 48
  • Interest Rate - 19%
  • Total Interest Paid - $8,705
  • Monthly Payment - $599
  • Total Cost - $28,705

Debt Relief
with DebtBlue

Debt Resolution Service
$ 20,000 Total Debt Enrolled
  • Months to Pay Off - 36
  • Interest Rate - 0%
  • Total Interest Paid - $0
  • Monthly Payment - $434
  • Total Cost - $15,591

Do Nothing

Make Minimum Payments Only
$ 20,000 Total Debt Enrolled
  • Months to Pay Off - 323
  • Interest Rate - 22%
  • Total Interest Paid - $30,586
  • Monthly Payment - $600
  • Total Cost - $50,586

Balance Reductions and Lower Monthly Payments

When you become part of our debt reduction program, your monthly deposits will likely be lower than monthly payments you are making.

Leave Stress Behind

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Get Ahead of Your Debt

2-Steps to Financial Independence