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HOW WE CAN HELP

Debt Free USA offers a range of debt relief and loan options designed to meet your financial needs. Our experts serve as trusted advisors, guiding you through the complexities of debt management. Here are some of the solutions that have successfully helped thousands of clients:

Personal Loans

Whether it’s for unexpected expenses or funding home repairs, personal loans provide quick access to funds without requiring collateral. Apply today or click to learn more.

Debt Consolidation

If you have multiple credit cards, loans, or lines of credit, consolidating your debts can help lower your interest rates, shorten your payoff time, or even achieve both. Apply today or click to learn more.

Debt Negotiation

If you’re struggling to keep up with payments or falling behind, debt negotiation could be a helpful option to reduce your debt load. Click to learn more.

Our Satisfied Customers

OUR PROCESS

At Debt Free USA, we follow a straightforward yet effective process that has successfully helped thousands of clients tackle their debt challenges. Whether you’re considering a personal loan, a consolidation plan, or debt settlement, our team of experts will guide you through each step, helping you identify the solution best suited to your unique situation.

Consultation

Each of our solutions begins with a complimentary phone consultation, where we review your personal situation and financial goals. This helps us provide you with tailored options designed to meet your unique needs.

Offer

After reviewing your financial situation and confirming your qualifications, we’ll contact you to discuss the plan details and terms, ensuring it aligns with your needs. Once you approve, we’ll guide you on what to expect and how we’ll support you moving forward.

Payments

After you accept the plan, you’ll begin making payments according to the terms outlined. Once all payments are completed and the plan is fulfilled, you’re all set! At any time, feel free to contact us if you have questions or need assistance.

FAQs

Many clients have common questions before reaching out to us. We’ve compiled answers to some of the most frequently asked questions. If you don’t see your specific question here, please feel free to contact us directly so we can discuss your unique situation.

What is the Minimum Credit Score Required for Your Programs?
At Debt Free USA, we look at each client's situation holistically and not just their credit score. We have approved hundreds of clients with scores below 600 that have shown a financial need. We encourage you to reach out to us direct to discuss your financial situation.
What is the Difference Between Debt Consolidation and Debt Negotiation?
Even though these solutions sound similar, they are quite different. Debt consolidation takes your existing debt and packages it into a new loan, with one payment. Debt Negotiation takes your existing debt and looks to reduce it through negotiating the balance owed with creditors to reduce your total debt load.
Does Debt Negotiation Negatively Affect My Credit?
This depends on your current credit situation. Any time you miss a payment you pose a risk to adversely affect your credit score; however, the Debt Free USA Debt Negotiation program aims to put you in a strong situation to improve your credit score over time and even after the program.