http://www.american-debt-management.com/debt-management/debt-management-help/debt-management-advice/ Debt management advice is something anyone in debt can use. Get yours here. en-us Tue, 01 Mar 2005 11:34:58 EST Tue, 01 Mar 2005 11:34:58 EST Weblog Editor 2.0 Do you have that sinking feeling every time you go to the mailbox? Afraid to open some of the envelopes because of what you know is in them? You might need debt management advice. If so, we can provide it if you're willing to listen. Fear of Debt A lot of time, fear of the unknown holds people back from improving their lives. For example, if you have a lot of debt, you might think your only option is bankruptcy, and it's looming. What you need is a good dose of debt management advice. You might be surprised to learn that debt management help is available in many forms other than bankruptcy. To learn about these forms of debt management, complete our secure, online form and submit it to get debt management advice from our trusted and respected debt management professionals. You can heed their debt management advice or ignore it. There's no cost or obligation to you for just completing the form. Once you do, you'll get recommendations in your inbox within 24 hours. Debt Management Menu Debt management help can be in the following forms: Debt Consolidation - A debt consolidation professional will contact your creditors to get your balances reviewed, then they bundle all of your unsecured debts together and you make one lower payment to the debt management company each month--at a lower interest rate--instead of several monthly payments to your creditors. The debt management company will then disburse that payment to your creditors for you. Debt Consolidation Loan - A loan is made to you to pay off your unsecured debts, then you make a monthly loan payment to the debt management company instead of several payments to your creditors. The interest rate on this loan is much lower, so your loan will be paid off in about five years (or less). Debt Consolidation Mortgage - This tool allows you to borrow from the equity in your house to pay off your debts. It benefits you in the form of interest rates as low as mortgage rates. Debt Settlement - A debt consolidation expert will contact your creditors and get them to agree to letting you pay off your debt in full at 30-50 cents on the dollar. There are even more options than these. Complete our online form and get your debt management advice today. Tue, 01 Mar 2005 11:34:58 EST