• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Apply Now
    • Qualifications
    • Is This Right For Me?
  • Proven Results
    • Debt Relief Benefits
    • Credit Card Debt Relief
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Login
HomeBlog Debt ReliefGet Me Out Of Debt
Video Transcript

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Get Me Out Of Debt

December 19, 2012 by National Debt Relief

Worried-coupleBeing heavily in debt is quite stressful, especially if you have a number of credit cards that have high interest rates. Interest rates increase your debt and if you fail to make payments, you debts will increase even more. A good credit history enables you to acquire loans in the future to fund your costly projects such as buying a house or a car. People look for various ways to get out of debt but with no success. Below are tips to help you get out of debt.

Make A Monthly Budget

Your budget should contain only the essential items such as groceries and utilities. Before you go shopping, make a list of the items you need to buy. Calculate the approximate cost of the items and write this on your shopping list. This can help prevent you from overspending or buying items you did not budget for as you know this will increase your total bill.

Control Your Spending

Poor spending is a habit that you have to let go if you want to control your finances. Overspending normally leads to a deficit so you find that you cannot pay your bills on time and end up getting penalized. Most people who overspend do so not because they need the items, but because they want them. Before you buy something, ask yourself what you will be using it for and if you could live without it. You might be surprised to find that some items have no use at all.

Keep A Shopping Journal

Keep a record of what you buy on a daily basis even if it is a small purchase. It will help you track your expenses and also show you what you mostly purchase.

Calculate Your Total Debt

Take all your credit cards and list them with the balance and interest rate on each. This can help you know where you stand financially. You cannot work towards getting out of debt if you do not know how much you owe.

Stash Your Credit Cards

Put away your credit cards or destroy them so that you will not use them any more. You will make very little progress if you continue to use your credit cards while trying to clear your debts. The next time you get a credit card, make sure that it is a low interest card. Transfer the balances on credit cards that have high interest rates to one with a lower interest rate to prevent the interest from causing your debt to accumulate.

Restructure Your Mortgage

If your debt situation is really bad, you could negotiate with your creditors to temporarily lower your interest rates or change your payment plan. If you can get a lower interest rate, you could look for ways to make more money to enable you to make the payments.

Get A Home Equity Loan

If you are a homeowner, you might be able to get a home equity loan that you could use to pay off your debt. Before you start paying off your debt, combine them into one debt so that you can make a single payment at a lower interest rate. Contact your local bank to find out how much they could lend you as a home equity loan.

Maintain Contact With Your Creditors

Do not ignore phone calls and letters from your creditors as it will show that you simply do not care about your debt. They may want to negotiate with you instead of turning you over to a collection agency.

Review Your Credit Report

Request your credit report and go through it to make sure that the information there is corxrect. If you find any mistakes, contact your creditors and ask them to make the necessary adjustments.

Do you qualify for debt consolidation?

National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

Follow National Debt Relief: Facebook Twitter Instagram Linkedin

Primary Sidebar

Consolidate Your Debt!
Find out how NDR could help.
  • Get one low monthly payment
  • Avoid bankruptcy
  • Get out of debt in 24-48 months
Get Your Free evaluation
Free Debt Consolidation Quote
By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
 Trusted By Our Clients

"..."

Moderate National Debt Relief Caller: Charlotte Transcribed WE 1/17/2021 Charlotte: I am calling because I wanted to ask a few quick questions about your experience with National Debt Relief [unclear 0:00:27]. JOSE: It’s good. Charlotte: Now before I begin, I have to let you know that our call is recorded. Can you tell me what actually made you decide to work with [unclear 0:00:40] National Debt Relief as opposed to other providers? JOSE: Good. Charlotte: What made you decide to work with National Debt Relief, as opposed to other debt relief companies? JOSE: Aside from your reviews, I’m guessing the success of the reviews. Charlotte: Tell me about the service and the program that National Debt Relief signed you up for? JOSE: I was able to collect all my debt into one chunk and then pay it off. Also was able to get settlements lower than what the balance was. Charlotte: How easy or difficult would you say the enrollment process was? JOSE: It was pretty simple. It wasn't difficult at all. Charlotte: Now is there anything about the process that you feel could have been improved? JOSE: Not at all. I think everything went smoothly. Charlotte: Perfect. Can you give me a little feedback on your experience with your negotiator? What did you think about your negotiator? JOSE: Negotiator was really firm and fair. Charlotte: Do you happen to remember the name of your negotiator by chance? JOSE: I do not, actually. Charlotte: Okay. Is there anything about that representative stood out [unclear 0:03:04] at all? JOSE: No, not at all. Charlotte: Perfect. How comfortable did you feel working with the negotiator through this process? JOSE: Very comfortable. Charlotte: Perfect. So if you had any questions or concerns, how did the negotiator work with you to resolve any questions or concerns that may have arisen? JOSE: At this point, I really didn't have any concerns at all. So, I mean, been doing a great job. Charlotte: Awesome. So if you were gonna rate your experience with National Debt Relief so far, on a scale of maybe one to five, and five would be that you would recommend to friends and one is you were pretty dissatisfied, how would you rate them? JOSE: Is 5 the highest? Charlotte: Yes, 5 is the very highest. JOSE: Okay. Then we’ll go with 5. Charlotte: Would it be okay if I posted your comments as a review on our public web site for National Debt Relief? JOSE: Yes. Charlotte: I will also send over a link so that you can have it as a record for yourself as well. And I have you at salvipride673@gmail.com. JOSE: Yes. Charlotte: How did National Debt Relief work with you as far as setting up a payment [unclear 0:04:45]? JOSE: They did pretty good. Like I said, I have no complaints at the moment. Charlotte: How comfortable were you with the amount that you were paying? JOSE: Very comfortable. Charlotte: Perfect. Now as far as your thoughts on the cost in relation to the quality of service you received at National Debt Relief, what would you say about that? JOSE: The service team was all right. Charlotte: Now if you were going to rate your experience on a one to five, five is that you would recommend to friends and one is you're pretty dissatisfied, how would you rate them? JOSE: 5. Charlotte: Perfect. Would it be okay if I posted a few of your comments to our website? JOSE: Yes. Charlotte: Now if a friend or a family member were asking you about National Debt Relief, what would you say? JOSE: Really great people to work with. Very quick and easy, very responsive, no issues. Really makes you feel like they’re there for you. So not a scam at all. Charlotte: Perfect. Now about where are you in the process at this point? JOSE: I've already had two creditors resolved already. Pretty happy about that. Charlotte: And of course, our call is recorded.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Jose Perez
ConsumerAffairs Reviews

Latest Debt Relief Posts

  • 5 Ways To Get Rid Of Your Debt This New Year
  • How A Minimalist Lifestyle Can Help You To Become Debt Free
  • Learn How To Send A Cease and Desist Letter To Creditors
  • Getting Out Of Debt: The Truth About Debt Reduction In 2018
  • How Bethenny Frankel went from Debt to Success (and a Skinny Girl Empire)
National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
Company
  • About Us
  • Contact Us
  • Blog
  • Careers
  • Corporate
  • Privacy Policies
  • Terms Of Site
  • Disclaimer
  • Sitemap
Products
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Debt Settlement
  • Calculators
  • FAQs
Debt Resources
  • Credit Card Debt
  • Medical Debt
  • Personal Loan Debt
  • Unemployment
  • Divorce Debt
  • Retiree Debt
  • Veteran Debt
  • Business Debt
  • Personal Finance
Follow Us
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest

© 2021, National Debt Relief, All Rights Reserved.

Disclaimer
Disclaimer
Disclaimer