Free Debt Relief Analysis

It's Simple To Start

Gather Basic Information

Answer a couple of basic questions about your debt. Based on your location, debt amount and type of debt, we can recommend a path.

Financial Coaches

Your certified debt resolution specialist will show you how to pay off your debt and give you the motivation to get there.

Debt Free

Follow the payment plan you agree to with your certified specialist and you are on the way to being debt free in less time and for less money than if you did it on your own.

Questions? Call IMG 888-997-5113

Eliminate Credit Card Debt for Good

If you’ve been struggling with credit issues and credit card debt, you are probably wondering what you can do to take a chunk out of that debt. While you may have read about how to repair your credit in the short and long term, it takes more to simply hack away at your debt.


It’s not an easy or quick process. Be wary of those that say it is, or that they can eliminate your credit card debt in no time. There are credit counseling agencies that can help you put a plan together for making credit card payments easier to handle but you credit card debt still isn’t erased.


Want Credit Card Debt Relief? Here’s Some Helpful Tips



  • Stop using your credit cards! If you can’t pay cash for an item, don’t purchase it. You will never get out of credit card debt if you don’t stop using your credit cards now. Don’t cancel your accounts, as the building of good credit can be beneficial, but leave them at home or cut them up if you can’t fight the urge to use them.

  • Create a monthly budget. Decide how to free up extra money to put down on your debt. This may mean cutting back on certain vices—shopping too much or cable TV—or it may mean finding extra income in a second job. Then stick to it!

  • Make a list of your credit cards in order from highest to lowest interest rates. Figure out how much extra money you can put toward your credit cards each month. Tally up all your credit cards’ monthly minimums and put the majority of your money towards the card with the highest rate while paying only the minimum on the other cards until you have finished paying off the first card. Try to pay at least 10% of your balance each month—50% if you can!

  • Use unexpected income to boost your credit card payments. If you receive a bonus, for instance, put the total amount of it onto your smallest credit card balance. This will help expedite the card’s payoff.

  • Call your creditors to negotiate your interest rates. You’d be surprised at how many will work with you to keep you as a customer. Credit card companies will be more willing to work with you if you have an excellent credit score. Check yours out and make sure you don’t have any inaccurate entries on it. Check out the things that you can negotiate to reduce your debt.

  • Consider liquidating certain savings to pay off your credit card debt. Do not cash in retirement funds or completely liquidate your savings, as you will likely want access to funds in case of an emergency. However, it is unwise to invest when your debt is building.

  • If your credit card debt is extreme, you can work with your creditors to create a debt repayment plan. While this won’t reduce your debt, it can make it easier to manage while you’re paying it off.

  • If you’re knee-deep in debt, a visit to a credit counselor could be beneficial. Read more about how to work with an agency and important questions to ask.


Learn more about tackling credit card debt by decoding credit card interest rate issues and repayment options. Also, figure out how much you should pay each month.

Benefits of Debt Consolidation

  • Lower Interest Rates
  • Lower Monthly Payments
  • Eliminate Debt in Less Time
Learn About Debt Consolidation