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Welcome to TheDebtSet.com

Dont let debt overwhelm you

If you’re struggling with debt, you have options beyond debt settlement. You can ask the expert team of TheDebtSet to provide you assistance. We may help you!

Get Debt Relief
Debt Relief

Debt with low monthly payment

We will negotiate your debts to help you get better monthly payments and interest rates. Then, you’ll pay your debt relief company a single payment that will go toward all your debts.

Get Relief
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We Have Best Solution For You

Living with debt can be very stressful. There are services that can help you manage and consolidate your debt. Once you know your credit score and have a comprehensive overview of your debt, you’re ready to start tackling your debt. Some major benefits of debt settlement are:

  • A single monthly payment
  • Negotiate your existing debt
  • Potential reduction in interest rates
  • A unique program designed just for you
01
Credit counseling

Certified credit counselors (also known as debt counselors) often work for nonprofit organizations and can help you with debt management, budgeting and other money management skills. They can also help organize debt management plans to pay down your debts: in most cases, you’d make regular payment plans to the credit counseling organization and it would pay your creditors for you. Unlike debt settlement programs, they don’t negotiate the amount of debt but may help change your repayment terms.

02
Debt consolidation loans

It may seem counterintuitive, but taking out an additional loan to consolidate your debt into a single payment may help you lower your overall debt burden, depending on the terms you can get from lenders. For example, if you have high-interest credit card debt but still have a good credit score, taking out a personal loan for debt consolidation can allow you to pay off the credit cards and make a single monthly loan payment, hopefully with a lower APR. Use our debt consolidation calculator to see your personalized results.

03
Bankruptcy

As a last resort option, bankruptcy can help discharge your debt — but it severely affects your credit score and creditors may still be able to seize some of your assets.bankruptcy involves liquidation of nonexempt assets, even though you’ll discharge unsecured debt. Bankruptcy helps create a payment plan (so you’ll still have to pay off some debts) but may help protect you from foreclosure, in some cases. Be sure to consult with a bankruptcy attorney to see if bankruptcy is the best course of action for you.

50

Submissions
Daily

6

Years Experience

18

Team
Of Experts

16000

Satisfied
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What to know?

Debt relief programs can potentially help you get out of debt more easily, but there are plenty of scams out there. Watch out for companies that make specific guarantees: the Consumer Financial Protection Bureau (CFPB) says to avoid companies that guarantee that your debt will go away or that you’ll be able to pay pennies on the dollar. Make sure that you’re not paying any fees before your debt is settled, too. It’s a good idea to check if there are any consumer complaints against the debt settlement company you’re considering — your state attorney general or local consumer protection agency can help you find out if there are any on file. Some states regulate debt settlement companies and require licensing, as well.
Downsides of debt settlement are:

May not resolve all of your debt
Credit effect if you miss payments
Settling for less than you owe

What People Are Saying

“One of my close friend referred me to TheDebtSet team, I must say these guys are amazing. Excellent services.”.

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Marvin Floyd
Accountant

“During pandemic crisis I had loss in my business and needed financial help from banks. Later I was stuck in debt problems and expert team of TheDebtSet has helped me fix my problems”.

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Richard Koch
Self Employed

“Great service, thumbsed up for them. I am highly satisfied for the help and support I have received”.

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Travis Moore
Business Owner

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FAQs

Debt settlement programs help set up debt repayment plans and may negotiate with creditors on your behalf. Once you’ve settled on a plan, you’ll have to make regular payments to the debt settlement company to pay off your remaining debt.

Debt relief programs don’t automatically eliminate your debt, but instead set up a more manageable repayment schedule, in many cases. Your entire debt won’t be forgiven and you’ll still have to make payments, but you may be able to reduce your overall debt burden.

Debt relief services aren’t free, and you’ll have to pay a fee that’s often calculated as a percentage of the debt burden you’re paying off. Credit counseling services, which are similar, often come at a cost as well.

Emergency debt relief programs can help you get out from under your debt burden. But it's a decision that needs to be made carefully. It isn't necessarily a perfect solution and there may be some serious trade-offs to make.

If your score has already been damaged by a series of poor financial habits it may be worth a temporary hit with debt relief now to improve your creditworthiness long-term.

Debt relief refers to a variety of solutions designed to help make your payments more affordable so that you can ultimately become debt-free. It might include a replacement loan that lowers your interest rate or modifies your repayment term, or you may even see a reduction of the total amount you owe.