Bankruptcy is not your only debt relief option. Complete the form to the left to receive your NO OBLIGATION Bankruptcy and Debt Relief consultation and find the freedom from debt you've been searching for!

Don't get down about growing past due balances, credit card debt, overdue medical bills or harassing calls from bill collectors. If you take immediate action, you could get help before it's too late! If you fit certain criteria, you could qualify for protection under the U.S. Bankruptcy Code, and filing bankruptcy may help you regain control of your financial future.

Filing for bankruptcy allows you to instantly absolve all of your outstanding debt. While the idea of having all of the money you owe disappear may sound appealing, the downsides of bankruptcy may change your perception. After you file bankruptcy, your financial standing will be significantly damaged.

Bankruptcy can cause your credit score to drop by 250 points or more, and will remain on your credit report for as long as ten years. That means for a decade, you could have trouble opening new lines of credit, finding a place to live or even getting a job.

But at DebtRelief.us.com, we offer debt relief alternatives to bankruptcy that won’t damage your credit score or report. All you need to do is fill our brief form and we will connect you with the best debt relief systems and professionals available anywhere. So don’t let your financial problems get you down, because DebtRelief.us.com has just what you need to reclaim control of your financial future.

It’s a common misconception that all debt relief programs are the same. The media tends to lump them all together, but the differences between programs and which one will best suit your personal needs is great. Being knowledgeable about the various debt relief options available to you can make all the difference in successfully seeking debt-free financial security, which is why we created this online resource to help make sure you are taking steps in the right direction.

Debt Settlement - Also known as Debt Negotiation, Debt Settlement is the quickest and most inexpensive way to get out of debt. This debt relief program doesn’t mess around. Debt Settlement is the most aggressive way to directly rid yourself of debt and is your most viable option if you have seriously considered declaring bankruptcy... Debt Settlement continued

Bankruptcy - Bankruptcy should be avoided at all costs. Filing for bankruptcy has lasting negative consequences that can tarnish your financial history for up to 10 years in some states. Additionally, recent regulatory changes have made it even harder to start fresh after filing for bankruptcy...  Bankruptcy continued

Debt Consolidation - Also known as a Consolidation Loan, this program works to merge multiple loans into a single, more manageable loan. The benefits of reducing all of your bills to a single loan payment can include lower monthly payments over a longer period of time. Important to note, however, are the recent changes in credit markets which have resulted in tighter regulations. This is especially important if you have a low credit score, as loan options are limited for people with FICO credit scores less than 660...  Debt Consolidation continued

Credit Counseling - Companies that offer these ‘nonprofit counseling programs’ charge you a fee for working with your creditors to reduce both your current interest rates and your minimum monthly payments. Recently, these programs have been criticized for being mislabeled as nonprofit organizations... Credit Counseling continued

Do Nothing - If you have fallen deep into debt and are struggling to keep yourself afloat financially, the worst action you can take is to not do anything at all. If you have found your way to this website, it means that it’s time to take control of your debts and get out of financial trouble. The good news is that you don’t have to deal with this alone. We want you to know that relief from debt is available, and seeking help from a debt management professional is the first step in the right direction... Do Nothing continued

The most immediate effect felt by filing bankruptcy is the automatic stay. After filing bankruptcy protection, the automatic stay immediately stops most creditors from contacting you and collecting on debts. And the relief doesn't end there! The automatic stay also prevents garnishment, lawsuits, and repossession (including foreclosure).

Perhaps the most comforting part is, if a bill collecting company should decide to ignore the automatic stay and continue hassling you, it will face serious consequences. For more on how the automatic stay works after filing bankruptcy, continue reading at DebtRelief.us.com or request information from a bankruptcy and debt relief professional.

Recent government legislation (the Fair Debt Collections Practices Act) was created to protect consumers from unfair harassment from bill collectors, and has greatly limited collection agencies’ contact with consumers. Depending upon the state, there are regulations specifying when and how often collection agents can call. Regulations also dictate that if a collection agency is informed in writing that the borrower no longer wishes to be bothered, they are legally prohibited from making further contact. Furthermore, once the borrower begins working with debt relief companies, the debt collector will be forced to submit all correspondence to the settlement professional. FDCPA regulations force collection agencies to speak with whoever holds power of attorney within debt negotiations.

There’s no easy answer, but borrowers with high debt-to-income ratios are eligible for debt assistance under most circumstances. The probability of successful debt relief negotiations varies dramatically based upon several criteria, such as the borrower’s home state, the specific debts accrued and credit activity within the past year. Debtors who have suffered recent accidents or injuries, underwent medical procedures, faced unexpected and/or lingering unemployment, underwent divorce, or experienced any life-altering trauma that forced sudden dependence can most likely expect creditors to look upon their situation with greater understanding.

Every borrower’s situation is different, but there are common indications that drive most consumers to consider debt relief. These warning signs can include sudden or lingering unemployment; health problems, sleeplessness, or familial conflicts due to mounting bills; inability to start new credit accounts; bounced checks or continually overdrawn bank accounts; regularly withdrawing cash advances from a credit card to pay minimum payments on other cards; having several cards all nearing their maximum balances; minimal or non-existent savings; and utilizing credit for household purchases or utilities. Obviously, accounts sent to collection and harassment from debt collectors should be an immediate signal that there’s a problem. As a rule of thumb, if your debt-to-income (DTI ratio) of unsecured debt reaches twenty-five percent, there’s likely a problem. If you have no idea what your actual balances are because you’ve been avoiding looking at the statements, it’s probably time to speak with a debt relief company.