reduce debt

Hello -

Welcome to the forums!

What type of debt do you have?

If you signed up for the free counseling session when you registered for this site, you will receive a phone call from a consultant who will offer you debt consolidation or settlement programs. You are not obligated to use their specific program - you can seek out another debt settlement or consolidation firm if you wish.

It would be a good idea to pull your current credit reports at annualcreditreport.com - it's free, once per year, or when you have been denied credit. There's no program or service to sign up for or pay for like the ones you see on t.v. This will give you a better overall picture of your credit situation - perhaps it's not as bad as you think.

Keep us posted on your progress! :D

The more information you give us, the better we can help you. Good luck!