7 Ways People Are Getting Out of Debt (Without Paying It All Back)

1. Use a Debt Settlement Partner

Trying to call creditors yourself rarely works. But debt relief services (like this one) can negotiate directly with creditors — often cutting your debt by 40-60% or more. And you don’t pay until they settle.

​

2. Consolidate Without a Loan

Not all consolidation means another loan. Programs exist that combine your debts into one monthly payment — no new debt required. Just one lower, easier payment, backed by a customized relief plan.

​

3. Freeze Interest Immediately

Many people don’t realize interest can often be frozen or reduced when you enter a debt resolution program. That stops the bleeding — and helps you actually pay off the balance.

​

4. Use the $20K Rule to Trigger Better Offers

If you owe more than $20,000 in unsecured debt, you qualify for more aggressive settlement options. Many creditors would rather settle than risk getting nothing.

Click Here If You Have $20k+ In Debts

​

5. Skip the Credit Score Services

Worried your credit is too low? Don’t be, its expected. Most people start with poor credit and end up rebuilding it faster by eliminating debt. Don't waste money on "credit repair" services.

​

6. Let Licensed Experts Do the Work

Most people fail because they try to do it alone. But when you partner with a licensed debt specialist, they deal with the banks, collection agencies, and paperwork. You just focus on the payment plan.

 See If You Qualify for National Debt Relief Now »

​

​

7. Shop Consolidation Companies

The fastest way to see your options is a free eligibility check. No hard pull, no obligation. Just honest answers — and a plan that actually works.

​