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Welcome to Debt Free Destiny!

Online since 2000, Debt Free Destiny specializes in matching consumers with debt relief companies and educating about them the best ways to get out of debt.   By submitting a form, you can get a completely free and no-risk consultation about how you can reduce your debt by up to 50% and get out of debt quickly (sometimes in as little as 12 to 36 months). 

Escape from Credit Card Debt

The problem with credit card debt is once you’re buried, it’s difficult to ever regain your financial freedom.  With interest rates above 20 percent and only able to pay the monthly minimums, you can be in debt for 20 to 30 years, and it’ll cost you up to three times your balance just in interest charges alone just to get out of debt, sometimes more.  Unfortunately, this is the position that the banks want you to be in because that’s when they make the most money.  Worse yet, when you turn to your creditors for help, even if your problems stems from a situation beyond your control – such as divorce, medical issues, loss of income, or any other financial hardship – it is of little concern to them.

Thankfully Debt Free Destiny is here to help!

How to Get Out of Debt

In order to get assistance, first step is to submit a form.  After doing this, Debt Free Destiny will forward your information immediately to a BBB-accredited debt consolidation company for a free consultation about the services they offer.  There are two types of programs currently being offered by our affiliates – debt settlement and credit counseling – and the type of company you are matched with depends on your debt amount and the state in which you reside.   In order to be eligible for a debt settlement or credit counseling program, your debt must be from credit cards, medical bills, unsecured personal loans, accounts with a collection agency, or balances left over from the repossession of a car.  Even if your debts are from a small business, you can qualify.

Learning about Debt Relief

Debt Free Destiny not only offers consumers the ability to get a free consultation from Franklin Debt Relief, but also useful articles about the wide-array of debt relief options that are available for consumers.  This includes information about credit card consolidation options like debt settlement and credit counseling, but also articles on do-it-yourself solutions like better budgeting, organizing your bills, and settling on your own.   The importance of education for consumers seeking help with their debts cannot be understated because many services are simply out to prey upon those who are financially desperate.  The most notable of these are “debt elimination” scams, which purport that they can completely erase your debts for free (minus their fee of course). 

Debt Free Destiny is here to help you sort through the thousands of debt settlement and credit counseling companies and to give you the best possible advice for avoiding bankruptcy.   Start now!

 

Debt Settlement

Debt Settling Companies

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Free Online Debt Advice

If you have found yourself with mounting debt and want to do something about it, but are unsure where to begin, the internet is a great place to find free…Read more...

FDCPA Statute of Limitations

A statute of limitations in basic terms is the time limit that legal action can be taken following an event. In the case of debt each state has timeframes…Read more...

Debt Relief

Negotiating Debt Reduction

When you have more debt than you can afford to pay back, you'll need to start considering your options for negotiating debt reduction. There are a variety…Read more...

Is Consolidating Debt a Good Idea

Debt consolidation is popular because it is a means controlling debt when it is held in several institutions. Instead of making several smaller payments,…Read more...

Pitfalls of Bankruptcy

Bankruptcy may seem like the only option for those with mounting debt, but it’s not as failsafe as it may seem. As unemployment rates rise steadily, home…Read more...

Reducing Debt

Credit Card Debt Reduction Scams

Sadly, with many people in debt and struggling just to seek out a living, there are the destructive people that are willing to take advantage of the…Read more...

How To Negotiate With Creditors To Reduce Debt

The number of people struggling with high interest credit card debt continues to grow. Once considered a problem…Read more...

How Long Debt Lasts?

If you have defaulted on debt payments in any way, that fact will show up on your credit report.  If you file for bankruptcy, that black mark will be…Read more...

Credit Counseling

How Credit Counseling Works

If you find yourself behind in paying your bills, a credit counselor could be a helpful ally for you. Credit counselors work with you to strategize on the…Read more...

Do Credit Counseling Services Work?

If you are facing a growing pile of unpaid bills and wonder how you are ever going to catch up, you may find some comfort in the fact that you are not…Read more...

Debt Counseling Process 101

If you have no other choice than to enter debt counseling for the purpose of repaying your creditors, then you have some decisions to make on what to…Read more...

Debt Consolidation

Debt Consolidation for Non-Homeowners

When debtors are struggling to make ends meet and find they can no longer pay their bills each month, many will look to debt consolidation to get their…Read more...

Responsibilities and Risks of Co-signing a Loan

Everyone makes mistakes in life. When it comes to financial mistakes the effects can literally last years, making it difficult to get a second chance…Read more...

How To Find a Reputable Debt Consolidation Company

Have you finally reached the end of the road in your efforts to try and keep up with your debt payments? Do you lose sleep worrying how you are going…Read more...

Company Reviews

Commercial Collection Corporation

Commercial Collection Corporation was started in 1962. It is owned, or at least partnered, with M&T bank. It belongs to two other groups; one is Commercial…Read more...

Credit and Financial Services Incorporated

In 1906 Credit and Financial Services Incorporated was formed as part of a merchant association to help as a collection agency. It used to be a members-only…Read more...

Unifund Financial Group

Unifund, founded in 1986 has built a reputation over the years as being a leader in the Accounts Management Field. Unifund buys and sells debts and…Read more...

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