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Free from debts
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Contact Us

Begin your journey to debt freedom with a free, no-obligation conversation with one of our certified debt specialists. We’ll help you understand various debt resolution solutions, including consumer credit counseling, debt resolution, bankruptcy, and other alternatives, so you can make an informed decision that best suits your needs.

Learn Your Options

We listen to you, discuss the pros and cons of each option, and custom-tailor affordable plans that best suit your individual situation based on various factors.

Take Decisive Action

Approve your chosen plan and start your journey to becoming debt-free quickly.

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Become Free From

Credit Cards

Personal Loans and Lines of Credit

Medical Expenses

Collections and Repossessions

Department Store Credit Card Debt

Business Liabilities

Private Student Loans

Our company offers services from financial experts who have the skills to significantly reduce your enrolled debt. We provide a variety of debt relief options to ensure you have an affordable payment plan, allowing you to repay your debts without struggling against high interest rates.



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Free from Debt
Quick & Easy

Drastic Debt Consolidations

We help you Drastically lower your monthly payments from lenders.

Combine and Manage

We help you plan and Combine all monthly payments into one manageable payment.

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How It Works


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SPEAK WITH A CERTIFIED DEBT CONSULTANT

Contact us for a comprehensive assessment of your finances and obligations. One of our team members will conduct a debt and income review and discuss your financial goals. This is a completely free, no-obligation call. You’ll discover all the options available to you, custom-tailored to your unique situation. We have helped thousands of people who felt overwhelmed by debt, providing them with the relief they needed to regain control of their finances.

TAKE ACTION

Select a solution that empowers you to take control of your finances. Avoid the struggle of making minimum payments to multiple creditors, where most of your funds go towards high interest with little or no reduction in the principal balance.

ABSOLUTELY NO UP-FRONT FEES

Our fees are entirely performance-based.

Frequently Asked Questions

What Is Debt Consolidation?

Debt consolidation is the process of combining multiple debts into a single, more affordable monthly payment. This approach helps you pay off debt faster while saving money. There are several types of debt consolidation programs. The goal of these programs is to reduce your monthly payment, enablin g you to pay off your debt faster than if you were making minimum payments at higher interest rates to multiple creditors.

The main benefits of debt consolidation include:

  • A single monthly payment: One payment to one source, once a month. No more worrying about due dates and minimum payment amounts.
  • Lower interest rate: Credit card interest rates can add hundreds, sometimes thousands, of dollars to your debt. Lowering the interest rate reduces the amount of debt you pay.
  • Pay off debts faster: Debt consolidation programs can reduce the payoff time for credit card debt to 1-5 years. In contrast, trying to pay off high-interest credit card debt by making minimum monthly payments can take approximately 15 years or even longer in most cases.

What Is a Debt Resolution Program?

Debt resolution, also known as debt relief, debt settlement, negotiated debt settlement, or debt negotiation, is a process where a company negotiates or settles an unsecured debt with a creditor or debt collector. The debt resolution company has two main goals when negotiating with your creditors:

  • To reduce the amount you owe.
  • To settle the debt more quickly than it would take you to pay it off on your own.

While this may seem too good to be true, the debt resolution process is quite common for most creditors. Many creditors often settle debts for less than the amount owed because they know that clients facing hardship may never pay the debt or might declare bankruptcy. Therefore, it’s in the cre ditor’s best interest to settle the debt for less rather than receiving no money at all.

Who Benefits From Debt Resolution?

Debt resolution is typically for individuals with $10,000 or more in unsecured debt, including credit cards, store cards, and medical bills. However, it can benefit anyone facing financial hardships and struggling to pay off their debt within the next two to four years. If you need assistance in reducing your monthly payments and resolving your debts, debt resolution can help you achieve these goals at a lower total amount, more easily and quickly than you could on your own.

What is a dedicated account, and who manages it?

Once you enroll in the program, you’ll open an FDIC-insured Dedicated Account (sometimes called an “escrow,” “settlement,” or “special purpose” account) that is entirely owned by you. The money in this account belongs to you, and you have full control over the funds, which can be withdrawn at any time. This account is where you’ll send your monthly deposits, building up your savings to pay off your creditors and fees once our negotiators secure lower settlement amounts for you.

When one of your creditors agrees to a lower settlement and you approve it, payments from your Dedicated Account will be sent to the creditor. Sometimes, settlements involve a lump-sum payment, while others may require multiple payments over time. Once the settlement is complete, your debt with the cred itor is considered resolved, and the debt resolution services for that debt are finished.

How much do our services cost?

We do not charge any consultation, application, or credit pull fees, nor do we collect any upfront fees. Our program is desig ned so that fees are only earned once we successfully negotiate favorable settlement terms with each creditor on your behalf. These fees are collected after you authorize the sett lement and make the first payment.Fees typically range from 18% to 27% of your enrolled debt balances at the time of enrollment, varying by state, creditors, and the amount of debt enrolled. These fees are included in your total program payment terms upon enrollment, ensuring no surprises, hidden costs, or additional fees.

As a result, the total amount you’ll pay, including our fees, is significantly less than paying off your full debt on your ow n. This model aligns our success with yours; the faster we settle your debts, the sooner you’ll achieve your goal of financial freedom.

How much can I expect to save and how long does it take?

Individual results vary depending on the creditor(s), as some creditors may settle for lesser amounts or quicker than others. However, our program typically reduces the total amount owed by approximately 45-55% of the enrolled balance for most clients. Settlements are usually based on the amount owed at the time of enrollment, which often saves you from additional accrued interest or fees compared to paying the creditors in full on your own.

The duration of your program depends on several factors, including how much money you deposit into your account each month. You can start paying off debts once you’ve saved enough to cover the negotiated settlement amounts. The more money you can add to your Dedicated Account, the quicker your debts can be settled. Most of our clients complete the program and pay off all their enrolled debts within two to four years.

Why is Absolute Debt Relief better than other debt relief options?

Absolute Debt Relief stands out as a leader in debt resolution, thanks to our commitment to delivering timely results with maximum benefits. We call this our Absolute Promise.

  • Comprehensive Education: We ensure every prospective customer learns about all debt relief options, even those outside our services.
  • Personalized Assessments: Each customer receives a tailored assessment and recommendation to best achieve their financial goals.
  • Transparency and Communication: We prioritize full transparency and open communication, which are crucial for your success.
  • Aligned Interests: We only earn compensation when your debts are settled, as we do not collect any advance fees. This aligns our interests per fectly with yours, ensuring we work diligently to get you out of debt as quickly as possible.

Does enrolling in a debt resolution program affect my credit score?

Yes, most debt resolution options may temporarily affect your credit initially. However, many clients start to show signs of recovery around six months into the program as they begin paying off their balances, though this can vary.

Credit is very fluid; it reflects your current situation rather than where you’ve been or where you’ll be in the future. Many clients with debt have already experienced an adverse impact on their credit score, even if they’re paying their creditors on time. Therefore, the significant monthly cash savings can often far outweigh a temporary hit to your credit score.

What types of debts are eligible for a debt resolution program?

Credit cards are the most common form of debt to consolidate due to their high-interest rates. Many unsecured personal loans can also be included in a debt resolution program. However, some creditors do not settle or participate in these programs, so we may advise omitting those debts. Additionally, certain debts like payday loans, medical bills, rent, utilities, phone bills, and other forms of unsecured debt may be eligible.

Will I be debt free at the conclusion of the program?

Our program specializes in managing unsecured debts and does not cover debts secured by collateral, such as mortgages or auto loans. However, once you complete the program, the funds you were using to pay unsecured creditors can be redirected to reduce your secured debts and help you start saving for your financial future. Keep in mind that not everyone finishes our program, so adhering to your monthly savings plan is crucial for achieving success.

Will debt collectors continue to call me?

Federal and state laws are in place to protect you from harassment by debt collectors. However, many of our clients still receive collection calls. Our aim is to redirect those calls to Freedom Debt Relief instead of you. Learn more about the regulations governing debt collector behavior and understand your rights.

Can you guarantee that you will settle each one of my debts for a certain percentage?

No, each case involves negotiation, and there are no guarantees regarding the outcomes. Additionally, the success of our negotiations largely depends on your ability to save a specific amount each month while participating in the program.

Should I include each one of my credit cards in the program?

If you have a credit card with a low balance that you can easily pay off, you might consider keeping it for emergencies. However, the program typically requires you to enroll all high-balance credit card accounts (those over $500) to be effective. Having open credit cards can complicate negotiations with your creditors, as they may notice you settling some accounts while leaving others unresolved.

Will I have to pay taxes my debts that are settled?

The IRS treats forgiven debt as taxable income, meaning you’ll need to pay taxes on the settlement at the end of the year. However, you may be eligible for an exemption using IRS Form 982, which addresses the reduction of tax attributes due to discharged indebtedness. It’s advisable to consult a tax adviser for further guidance on this matter.

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