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Free Debt Solutions for Unsecured Debts

By: Michael Millington

Paying for debt relief might seem counterproductive to some. Being in debt might make paying for a solution feel like a big step backwards. To those who feel this way, a free option might sound like the better choice. However, paid services do have distinct advantages over free debt solutions (such as the ability to work with professionals). Here we will discuss free debt solutions and how you should approach these options should you choose to.

What Free Debt Solutions are Available to You?

Free Debt Relief Achieved On Your Own

The best way to deal with your debt without paying for it is to dedicate your extra income to your debt. Reorganizing your budget can help to give you a better understanding of what you have to spend on your debts. While it is not recommended to redirect funds from your other obligations, knowing if you have any extra income to use would work just as well. The best way to rid yourself of debt for free is to deal with it on your own, but you will have to be able to make decent payments on your own.

Free Debt Relief Achieved Through Credit Counseling

Another way to deal with your debt for free is to utilize a credit counselor. Having a credit counselor can help you better understand your own debt and the best ways to deal with it. While some credit counselors do charge for their services, you can receive free counseling from others (do your research to find out which ones offer free services).

The other thing to remember about credit counseling is that it solely involves advice being given. A credit counselor won’t have the capabilities of a debt negotiator or a bankruptcy lawyer. This means that while you aren’t tethered to counseling for any reason, you would need a fair amount of discipline to be free of your debt in this manner. Be sure you know what you’re getting into before you decide to use the free debt solutions available to you.

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Completing a form on this site does not enroll you into a debt relief program. If you do enter into a debt relief program with Guardian, your program may last 24 to 48 months. Clients who are enrolled in a debt relief program may realize savings at the completion of the program including applicable fees. These figures are based on enrolled unsecured debts, and may vary depending on your individual debt relief program. Completion rate of the program is not guaranteed, and is based on the client’s ability to make timely monthly payments. There is no guarantee that we will lower your debt by either amount or percentage, or that you will be debt-free at any set time. We do not make monthly payments to creditors, take on consumer debt, nor do we provide credit repair services, or bankruptcy, tax, legal, or accounting advice. Contact a tax professional for tax advice and consequences of debt relief. Contact a lawyer to discuss bankruptcy options. Our debt relief services are not available in all states. Depending on your location, we may be able to recommend tax professionals or attorneys to assist you. Any use of the term “debt-free” or “debt freedom” on this site or by any Guardian representative, refers only to unsecured debt enrolled in our debt relief program—and does not relate to or promise any relief from secured debt and/or unsecured debt not enrolled in a debt relief program. Please understand the benefits and consequences of enrolling in any debt relief program, including potential negative credit rating impacts.
Lifeline Debt Relief, Inc. d/b/a Guardian Debt Relief.
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