Credit Card Debt Relief

Reduce Your Credit Card Debt

We can reduce your debt in as little as 24 to 48 months!

Make One Low Program Payment

When all is said and done you will have one simple monthly payment to make. No more worrying about many separate due dates.

No Fees Until You Save!

You don't pay us a single penny until we get you your savings! We put our money where our mouth is and work for you first.

CALL NOW 1-800-631-5573

Credit Card Debt Settlement

Credit card debt settlement is an effective bankruptcy alternative and getting out from under your unsecured debt load in a relatively short time – just 24 to 48 months depending on your particular situation. While it is not the perfect debt relief solution for everyone, it may be right for you if paying off your debt while looking for a bankruptcy alternative.

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Credit Card Debt Consolidation

You have multiple credit cards, bills, car and house loans, but it’d be so much easier consolidating your credit card debt into one monthly payment. You could also pay off your credit card debt faster by consolidating them.

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Credit Card Counseling Services

Do you feel that most of your monthly credit card payments are going to unfair and high interest rates? You are definitely not alone! If you are one of many who called their creditors asking for a lower interest rate and was denied, credit counseling may be an option.

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Bankruptcy

Did you cringe when you read “bankruptcy”? It’s ok because you’re not alone and many who are looking for debt relief programs want to avoid bankruptcy unless it’s absolutely necessary. For some, bankruptcy can be a blessing in disguise. And for others, it’s a complete emotional nightmare with long lasting and sometimes permanent effects.

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Which Debt Relief Programs Make Sense For You?

If you’re looking for credit card debt relief, there are several debt relief programs that may be able to help you. These programs are usually considered bankruptcy alternatives because they can help you get out of debt without having to file bankruptcy. Some debt relief programs can even provide you with payments that are lower than your minimum payments.

The main credit card debt relief programs are:

Credit Card Debt Settlement
Credit Card Debt Consolidation
Credit Card Counseling Services
Bankruptcy

What Is A Credit Card Debt Settlement Program?

A Credit Card Debt Settlement Program is often referred to as debt negotiation, debt reduction, debt resolution or simply, debt settlement. It’s a form of credit card debt relief that reduces the principal balance on your credit card debt by negotiating with your credit card companies.

Once your credit card debt is negotiated, the creditor will send a debt settlement letter indicating that the debt has been reduced and considered settle once the renegotiated payment is made.

Those enrolled in a credit card debt settlement program that make all of their program payments are usually able to save a considerable amount. Not only can you save off the principal balance, but the amount of time it takes to pay off your debt is dramatically reduced.

You can use a Credit Card Debt Calculator to compare how long and how much it will take to pay off your credit card debt using the different debt relief programs or by making the minimum payments.

About First Choice Debt Relief:

We offer the best debt relief programs. And they’re completely backed by our 100% Money Back Guarantee. Our Programs are Performance Driven so you never pay a fee until you get the savings. Call us for a Free quote at 800-631-5573.

Money-Back Guarantee

Actual Debt Settlement Letters

For many people the idea of settling their credit card debt is completely brand new. However, debt settlement has been a tool for quite some time for both consumers & creditors. Consumers who have over-extended themselves can look to credit card debt settlement to get out of the 30 year minimum payment plan and regain control of their finances. Creditors also benefit from having to avoid losing everything if the client files bankruptcy.

We have a proven track record of getting credit card debt settled!

AMEX

BOFA

Capital One

Wells Fargo

Prosper

Lending Club

View All Letters

Our Program

Get an idea of how our credit card debt relief program works.

How It works

Minimum Payments

Bankruptcy Alternatives

Credit Card Debt Relief

Debt Settlement FAQ's

Our Approach

If debt settlement is a bankruptcy alternative that you feel is right for you, our expert debt relief specialists can help guide you towards the credit card debt-free life you deserve. As your partner in credit card debt relief, we want you to feel safe and secure knowing exactly how our process works and what results you can expect.

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Bad Credit

There are many reasons why good people have bad credit. Divorce, job loss, and unexpected expenses such as catastrophic medical care and major home repairs can all cause what seems like irreparable damage to even the most financially responsible people. But the damage caused by late payments, defaulted payments, and….

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Bankruptcy Alternatives

If you have a lot of credit card debt and feel like you’re never going to get out, you may have considered bankruptcy to try and resolve your debt. Maybe the fear of filing bankruptcy is keeping you in debt longer and ignoring the harsher situation… Being in credit card debt longer than you’ll pay your mortgage!

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One Creditor At A Time

Credit Card Debt is becoming a problem most consumers can no longer avoid. Gone are the Home Equity Lines of Credit or Second Mortgages that people could once tap to help pay an ever increasing credit card bill. Credit Card Consolidation Loans have almost all but vanished giving the consumer less options to “Robbing Peter to pay Paul.”….

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Common Questions

Check out all of our most frequently asked questions and get answers. Most of the time there is a similar situation you are facing that others have faced and worked through.

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$30000000

Resolved Credit Card Debt

2000

Clients Serviced
Around The Country

Different Banks
Negotiated With

What Clients Say

“

I have $47,000 in debt and I’ve been paying my minimum payments for the last 3 years. I finally have an option and feel like I am actually getting somewhere without destroying my credit and filing for Bankruptcy. Without First Choice Debt Relief, I’d be drowning in debt.

Jessika Robin
After being laid off and having to take a lower paying job, I didn’t know what to do. I was buried with bills,and couldn’t qualify for a loan. I tried to refinance my car, but was declined. I had exhausted all my options until hearing about Debt Settlement,.I spoke to the knowledgeably Debt Consultants of First Choice Debt Relief and finally found a resolution…

Kop Galvanitar
I called First Choice Debt Relief and wanted to join their Program, but after reviewing my situation the Director felt there were better options for me. Thank you First Choice for evaluating my options and pointing me into the right direction…

Emy Dekerson

I’d Like To Learn More About:

Get to know more about credit card debt relief by reviewing the links below. You may also reach us by email or give us a call anytime at 1-800-631-5573.

Debt Consolidation Program
How Debt Settlement Affects Credit Score
Debt Settlement Pros and Cons
Settling Credit Card Debt
How To Choose A Debt Settlement Company