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Negotiating with your creditors to pay back an amount less than the full balance owed can be an effective strategy to lower your monthly payments and become debt free years sooner. Learn more about this popular debt relief option.

A Credit Counseling program can provide relief from high interest credit card debt and also reduce your monthly payment at the same time. However, you’ll have to qualify and you’ll pay back 100% of the amount you owe.

Consolidating your high interest credit card debts into a new collateralized loan can lower your interest rate and your monthly payment at the same time, but you must have a good credit score and verifiable income in order to qualify.

Using the equity in your home to pay off high interest credit card debt can be the fastest and most effective way to eliminate high interest credit card debt, but qualifying requires a good credit score and you must have sufficient, verifiable income.

If negative, incorrect and erroneous information on your credit reports are dragging your score down, working with a knowledgeable credit repair company can help you erase this negative information and get the good credit you deserve.

If you have exhausted all other options and are unable to pay your creditors, Bankruptcy may bring protection from your creditors and the fresh start you need to help you rebuild your credit over time. Learn about the different types of Bankruptcy programs here.

Use our helpful debt calculator to show how long it will take to pay off your high interest credit card debt. Just enter the amount you owe and your current interest rate and see how long it may take to pay off your debts under the different scenarios explained above.