Debt Free Programs
Debt free programs are the key to unlock future financial success.
Customer Testimonials
"Now, all my bills are consolidated into just one. And I've saved about 50% of my money because you guys negotiated it down! I can't thank you enough! Now, I can see the light at the end of the tunnel!!!"
- Jeanne S. Thompson - Cleveland, OH
President's Message
Thanks for visiting American Debt Management today. We're glad you've stopped by! We bring
the personal touch to consolidating your debt, and that's what separates us from the rest.
With ADM, you'll be debt-free in what seems like no time, and you'll be ready to turn over a new leaf.
Please browse through the articles we offer - it is our pleasure to provide you with the information you need to improve your situation.
- Marilyn Elderwood
Debt Free Programs
Got big dreams? We can help you achieve them through one of our debt free programs.
Long-Term Debt Free Plans
What are you going to do with yourself once you become debt free? Are you going on a trip? Or do you plan on building up your savings account? Or do you want to save for retirement? The first step to achieving any of these plans is to become debt free, and to do that successfully, you need to go through a debt free program administered by a reputable debt management company. And if you take advantage of credit counseling to go with your debt management program, your credit counselor will teach you debt free solutions to get there and then teach you how to save so you can achieve these goals someday.
Help from Debt Free Programs
There are lots of debt free programs out there that can help you, and we can help you find them. Here's a brief outline of a few of the basic debt free programs:
- Debt Consolidation - A program to help you become debt free through which a debt management professional negotiates with your creditors to get your balances and interest rates reduced. Then the new, lower balances are combined and you make one monthly payment to the debt consolidation company, which they distribute among your creditors. Because of the reductions, you can become debt free in about five years.
- Debt Consolidation Loan - A loan given to you to pay off your unsecured debts. You pay off your unsecured debts immediately, but you still have the loan to pay back. The benefit is that the interest rate on the loan is so much lower (generally half of what you're paying now) and you can have it paid off in five years or less.
- Debt Consolidation Mortgage - Allows you to borrow from the equity in your house to pay off your unsecured debts. Your payment is combined with your mortgage, and you get the same interest rate as your mortgage. In some cases, the interest is even tax-deductible (check with your tax advisor to see if this will work for your tax situation).
- Student Loan Debt Consolidation - A student loan tool that combines all of your outstanding student loans into one and locks in a much lower, fixed interest rate for you. Your monthly student loan payments are cut in half, too, because you are given more time to pay them off.
- Debt Settlement - Allows you to pay off your debts at 30-50 cents on the dollar. Generally, you have to have the money all at once, but some debt management companies will give you one to three years to pay it off.
To sift through the details of all of these debt free programs and find the one that will help you go debt free, complete our secure, online form. Our experts will respond to you within 24 hours with a quote and referrals to the best debt management companies in the industry. They will analyze your finances to determine which of the above debt free plans is best for you. Before you know it, you'll be on the road to debt free living.
All material copyright © 2006 American Debt Management. All rights reserved.
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