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How to get out of debt

How Can I Get out of Debt?

Did you know that the average household in the United States has almost $16,000 in credit card debt?

With the combination of student loans, mortgages, auto loans, medical expenses, business loans, and other debts, people across the country are struggling.

If you need help getting out of debt but aren’t sure where to start, know that you have a few options at your disposal.

Depending on your financial situation, including factors such as amount of debt, income, and other circumstances, you may find yourself leaning towards one of these options.

Take a look at what you can do to become debt free:

What Are My Debt Relief Options?

1. Debt Management

A debt management company will analyze your financial situation and negotiate with your creditors on your behalf to lower your interest rates. This can make your repayment terms longer, or lower your monthly payments, whatever makes it easier for you to pay back your debts. You will pay the debt management company a negotiated monthly rate between itself and your creditors, plus any fees they may charge. The debt management company will distribute the funds you paid to your creditors.
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2. Debt Consolidation Loan

If you want to pay back your high interest debts all at once, you may choose to consider a debt consolidation loan. This is something you can do yourself. You can contact a bank or credit union to open up a debt consolidation loan, allowing you to pay off your current debts in exchange for one lower-interest loan with the bank or credit union. Be aware that with a debt consolidation loan, you need good or excellent credit to qualify.
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3. Paying Off Your Debts By Yourself

Not everyone that is in debt needs the help of an outside party. For some, all it takes is a better budget and the willpower to stick to it. Know that you can also contact your creditors to discuss your situation and negotiate a repayment plan. However, you must provide evidence of financial hardship. Even so, your creditors are not obligated to negotiate with you, so you may need the help of a debt expert to fight for you.

4. Bankruptcy

If you are facing serious financial hardship and have little to no source of income, you may be considering bankruptcy. Chapter 7 and Chapter 13 bankruptcy are the most common forms of bankruptcy available to most consumers. Though bankruptcy is a drastic measure, it may be the right option depending on your circumstances. Know that following through with bankruptcy will have a dramatic effect on your credit, which may make it much more difficult to apply for or use credit for the next several years (7 to 10 years).
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5. Debt Negotiation:

The Guardian Debt Relief Program

Debt Negotiation is an alternative to bankruptcy, credit counseling, and debt management.

Unlike debt consolidation and credit counseling, which requires repayment of debts in full, debt negotiation allows you to pay off just a portion of what you owe.

We negotiate with your creditors on your behalf to accept only a portion of your total unsecured debt balance. You will make monthly payments into a secure trust account, which only you have control over.

Guardian Debt Relief is an A+ rated debt negotiation company based in the heart of the Financial District in New York City.

Our strong relationship with creditors and lenders may give you an opportunity to settle your unsecured debts at a fraction of what you owe.

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Why Guardian Debt Relief?

We’re experts:

Guardian Debt Relief has built relationships with banks, major credit card issuers, credit unions, and lending companies. We understand all the ins and outs of how these companies operate and will leverage our knowledge to help you resolve your debt

We’re trusted:

At Guardian Debt Relief, the trust that our clients have in us is the most important part of our business. It can be difficult to share your financial situation and history with other people. To build this trust, we have the utmost respect for your privacy and we take a simple and friendly approach to better serve you.

How We Are Different

No Upfront Payments

Getting our clients free from debt is our ultimate goal. Unlike other debt settlement companies, we do not take upfront payments. That means we will work with you with the greatest care during the duration of the program, since your success is our success.

Stellar Expertise, Empathy, and Service

We know how it is to have creditors breathing down your neck. You may be stuffing the bills you get in the mail in a drawer. You’re using every last penny of your paycheck to make minimum payments on your loans or credit card bills, which may take years to fully pay off.

All of our debt specialists are IAPDA (International Association of Professional Debt Arbitrators) Certified. They’re here to build a trusted and caring relationship along with providing honest feedback and advice.

We can and will do everything in our power to guide you through the debt settlement process.   

Reduction of your Debt

By enrolling in the Guardian Debt Relief program, we’ve helped our clients settle their debts, with most only repaying a portion of what they owe.

This could potentially lead to thousands of dollars in savings on the balance of your loans.

See What Our Clients Say

See what our past and current clients are saying about Guardian Debt Relief

“The process was very smooth, the staff was very helpful and their expertise brought my case to a successful end. I was very pleased with how much they were able to settle on my account. I would recommend Guardian Debt Relief to any family or friends that need your services."

Teren G., Bronx NY

“I went overboard with my credit card when l lost my job and l didn’t know how l would pay it back! Thank God for Guardian Debt Relief, they really saved me. l was so uneasy about all these debt relief companies because there are so many of them! But Guardian Debt Relief was so understanding and professional, they really worked with me! I am glad l went with them, because they cut my debt at least 35% or so!  Thanks again Guardian Debt Relief!”

Effie O., Kew Gardens NY

“I want to give a huge thank you to Guardian Debt Relief. You have done a great job at helping me put my life back together. I am so pleased that you were able to take care of the debt I owed. I was at a loss and thought I would have to file bankruptcy, but you were able to keep me from having to do that. Everyone was so great at helping when I would call. Thank you again!”

Deborah I., Temple TX

"I had a great experience with Guardian and would recommend this company to friends and family. Thank you so much."

Kathryn K., Brooklyn NY

“I am very appreciative for everything that you did for me. It really meant a lot.”  

Faton G., Bronx NY

“Thank you for your help! We were able to pay off the credit cards within the year which would not have been possible without your help.”

Mardean E., Abilene TX

Are You Ready to be Debt Free?

If you think debt settlement is the right solution for you, then take the first step to a debt free life!

Fill out the form to the right to receive a free debt relief quote!

One of our debt experts will reach out to you and discuss your options.

Guardian Debt Relief is here to help protect your financial freedom!

Get a Free Debt Relief Quote!

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