If you're committed to getting out of debt, we offer an active plan to pay off your enrolled account balances in five years or less. We work with creditors to seek reduced or eliminated interest rates, so more of your money goes to paying off principal.
Make one convenient monthly payment
Monthly automatic withdrawal option
No loan, no credit check
Plan to pay off all enrolled debt in five years or less
Toll-free customer service
Access to reduced or eliminated interest rates as offered by creditors
You begin by enrolling all the credit cards and other unsecured debts you want to pay off. We work with creditors to obtain reduced or eliminated interest rates, late fees, and penalties. We then use a formula to distribute your payments to your creditors, thereby maximizing the power of your money. Our consumer credit counseling and debt management experience provides individuals and families with a relief game plan to make the idea of living debt free not only a goal, but a reality.
Terms of the Plan
Debt Free has been an IRS-approved nonprofit corporation for more than 25 years. We believe in being honest and upfront with our customers. There are no hidden fees, no secret charges.
The terms of the plan are:
Low monthly credit counseling and services fee with the option of making a voluntary funds handling contribution
One-time start-up fee is waived IF you complete your enrollment online AND select the automatic withdrawal payment option
Enrolled debts paid off in five years or less
The credit counseling and services fee is generally just a fraction of what we save you and helps defray our administrative costs for the services and many other benefits we provide.
Want to know more? Read some of the common questions people ask us.
