Credit Card Debt Out of Control? We'll connect you with someone who can help get you back on track

IWillQualify.com has the answers you need all in one place!

• The information you want...
• The resources you deserve...
• One site takes care of all your debt consolidation and debt settlement needs...

Free Consultation!

Finding expert advice you can count on and trust when facing the daunting task of dealing with all your personal debt calls for working with a network of professionals you can trust. Finding those who understand what you are trying to accomplish and know the most effective way to get it accomplished. Many of our professionals even provide an initial free consultation!

IWillQualify.com is part of a nationwide network of debt consolidation and debt settlement professionals who are ready to work with you. By telling us about your situation, we can help you locate someone who relates specifically to your needs. This saves you the hassle of trying to locate a competent professional, successfully set up an appointment and being sure you have found someone who can genuinely help. With a free evaluation you get the comfort of knowing your options before you decide!

Covered up in Credit Card debt, Medical Bills or Mortgages you can't handle?

There's definitely a place and you may have reached it, where you can no longer handle your debt no matter how hard you try. When you reach this place, its time to get outside help that's experienced and knows how to get results. Depending on your circumstances you may have the option of debt settlement or debt consolidation. IWillQualify.com's professionals can work with you to determine which works best for your needs. There have been a number of changes made in creditor's rights over the last several years and it's very important that you clearly understand what will work for you.

Understanding Debt Consolidation and Debt Settlement

Debt Consolidation

There are several ways debt consolidation can be approached but the most common is for all your unsecured debts, especially your credit card debt, to be pulled together. A professional will work with you to contact all your debtors and work out a repayment plan that fits within your budget. In this process, both your debt amount and the effective interest rate is often reduced (debt amounts up to 50 to 60%) to help you get your debt paid off.

Debt consolidation is designed to wipe out unsecured debts like credit cards, medical bills, payday loans and some personal loans. It doesn't address secured debt like your home or car which carries liens. Once you agree to start it's important you stay on course since there are penalties if what is agreed to isn't carried out.

Debt Settlement

This is a different approach than debt consolidation. With the help of a professional, you try to settle your unsecured debt generally with a lump sum payment. Funds are set aside until enough have accumulated that offers can be made to your creditors to settle. Often creditors will settle for considerably less than the face amount of the debt. This process, however, can impact your credit report. Again you need to be ready to complete the process once started or you can experience negative credit consequences. Like debt consolidation, debt settlement is designed to address unsecured debt not your cars, home and other assets that have liens.