Unsecured debt help by credit counseling or debt settlement.

Credit counseling and debt settlement can offer unsecured debt help. To see if you qualify for either service, understand the types of unsecured debt.

What is unsecured debt?

Unsecured debt consists of financial obligations you undertook which did not require any form of collateral.

Credit cards (i.e. MasterCard, Visa, American Express, Discover, etc)

Gas cards (i.e. Shell, Exxon, etc)

Store charge cards (i.e. Sears, Wal Mart, etc)

Payday loans (i.e. check cashing advances)

Medical bills (self-explanatory)

Personal loans (bank unsecured loans)

Need unsecured debt help? Get professional assistance.
	Credit counseling - debt management Unsecured debt is combined into one lower monthly payment to make it easier to re-pay financial obligations. With debt counseling, you may be able to improve credit if you stick with the program. Debt counseling typically takes longer to repay debt or has a much higher monthly repayment plan.

	Debt settlement - debt negotiation The principal balance of unsecured debt is negotiated to reduce the balance owed to get out of debt faster. Debt settlement may impact credit scores; however, if your credit is already bad and if you don't endure the longer debt repayment plan of credit counseling, then debt settlement may be best for you.

Credit counseling for unsecured debt:

Credit Counseling: Can't create a budget and abide by it? Unable to work with creditors on a repayment plan? If so, consider professional credit counseling. Many credit counselors are nonprofit and work with you to solve debt problems. Reputable credit counselors can advise you on managing your money and unsecured debts, help you develop a budget and offer free educational help.

Debt negotiation / debt settlement:

Debt negotiation/settlement is vastly different from credit counseling. It can be risky to your credit, but if your credit is already destroyed you may have little to lose and more to gain by settling outstanding debt. Debt settlement is much more aggressive than credit counseling, and it can get you out of debt in half the time of credit counseling. Many states have laws regulating debt negotiation companies. To see if your state permits debt settlement, contact your state Attorney General.

Your control over re-paying secured or unsecured debt:

If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.

What to do if you believe a debt collector violated the law:

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney' s fees also can be recovered.

Where to report a debt collector for an alleged violation:

Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws and your Attorney General' s office can help you determine your rights.

Stop Debt Collection Agency Calls

You have the right under federal law to stop debt collection agency calls. Tools and sample letter for you to send to stop harassing collectors. Also consider credit counseling and debt settlement.

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Can Debt Collectors Put Me In Jail

One question often received is: Can debt collectors put me in jail for not paying my bill? If you need help, consider credit counseling, professional debt negotiation or do-it-yourself free debt settlement.

TransUnion Reports Late Payments and Debt

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Bad Banks

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As Americans struggle to stay financially sound and to pay bills, many wonder which bill to pay first. Get debt relief help today.

Get more information about debt, and read our articles related to unsecured debt.

Know Someone Who Needs Personal Credit or Debt Help?
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Debt Help: Review non-profit credit counseling, unsecured debt consolidation, do-it-yourself free debt settlement and professional debt negotiation agency solutions to decide which assistance program is best for you.

Compare credit counseling vs debt settlement to help you decide which one offers the best benefits for the short term as well as long term. Whether you choose a credit counseling agency or a debt settlement company, both programs only assist with unsecured debt. Learn the types of unsecured debt and who qualifies for a debt consolidation loan.

Don't file bankruptcy to get out of debt. Instead of a non home owner debt consolidation loan to pay off debt you could simply reduce bills via credit counseling or nonprofit debt consolidation, or you could negotiate debt settlement.

If your unsecured debt is mainly due to credit card debt; including joint credit card debt, get debt counseling before you file for divorce.

You don't need a loan to pay bills and to payoff balances. If you cannot get approved for an unsecured debt consolidation loan, you can pay off debt over the long term via an effective personal budget.

Too much Christmas credit card debt? Consider a credit card debt consolidation quote to combine and lower monthly bills before you chargeoff credit card balances.

There are many options to handle and recover from excessive bills, whether via unsecured debt consolidation, sending creditors a debt negotiation letter, consolidating student loans, or by paying off high interest bills with a loan. Learn the truth about government debt consolidation loans and get more debt information.

Pay bills on time with our free bill reminders. Download free personal finance software to track expenses. Browse more debt assistance resources.

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.

Search our free credit help resources and apply for financial services. The credit crisis may have prompted stricter credit card company and loan lender approval standards, but poor credit people can still find bad credit financing.

Review more debt help.