Definitive Guide to a Debt Free Life – Chapter 9: How to Find Debt Help

 Good job! You have made it all the way to Chapter 9 of this guidebook.

If you have made it this far, then you should have a much better understanding of your debt situation and what you can do about it, as well as a stronger knowledge of your credit and how it affects your debt, and vice versa.

It is now time to explore debt help and the debt relief companies that provide it more thoroughly. These services have been touched on several times already but have not yet been discussed in detail.

While the last chapter, Chapter 8: Types of Debt Relief, focused on breaking down the many popular and effective types of debt relief, this chapter provides a closer look at the companies that actually offer these services.

When you are deep down in debt, it is often a smart idea to use the help and knowledge that one of these debt relief agencies can provide, rather than plodding on blindly alone. DIY (do-it-yourself) debt relief does, of course, have its advantages but, for many people, seeking help and expertise is the best bet.

debt free life

In addition to a brief discussion on when the best time to seek debt relief is, the chapter below will provide a look at a few of the most reliable debt relief companies around. It also gives a brief breakdown of how to find a reliable debt relief company.

You will come out of this chapter with the tools that you need to hire the best debt relief company so that you can start to further whittle down your debt problem.

When to Seek Debt Relief

There is no single “right” time to start seeking debt relief. When you should seek debt relief from a specialized debt relief company will be different for everyone.

However, there are some signals that will alert you as to when it is that time for you. The first of these is falling into debt itself. Whether your debt problems stem from a loan, from credit card debt, or from something else, it is important to identify the problem as soon as it starts.

Of course, many people are able to manage their loans and credit cards efficiently, making their payments on time and in full and staying on top of their debts. A lot of people, on the other hand, are not able to do this.

If you are one of the people that are not able to do this, then you should seek debt relief right away.

If you start to slip with your payments, overuse or abuse your credit cards, or otherwise notice that your debt situation is turning into a real problem, it is time to look for help.

Generally speaking, the best form of debt relief in early stages of the problem is credit counseling.

As discussed earlier on in this guidebook, credit counseling is simply a form of debt relief that helps you understand your financial problems, sort through various relief options, and create a solid budget and money management plan.

Much of the time, simply turning to a credit counselor can help you get your debt and finances under control before they spiral into a serious problem.

Whether or not you hired a credit counselor for financial help and advice, you should start seriously looking into other forms of debt relief – debt consolidation, debt management, debt negotiation – when you fall several months behind on your payments.

Though these debt relief methods are generally used as last ditch measures, they should be explored early on, especially if you are in no way able to reestablish yourself financially. (

How to Find a Reputable Debt Relief Company

Once you have decided to seek out the help of a debt relief company, it is of utmost importance that you find one that is reliable and reputable.

Like many other industries involving money, there are a whole host of debt relief scam companies that capitalize on the high emotion that goes along with struggling with debt. Naturally, these scams should be avoided at all costs.

The best way to find a great debt relief company is through word of mouth. If you know anyone else who has been in debt and received help from an agency, ask them for their recommendations.

Another way to find a great debt relief company is by reviewing them online. First and foremost, search for the company in question at the Better Business Bureau website. The website should have a host of reviews on the particular company and will give you a solid idea of whether or not they are reliable.

Searching the web elsewhere can also net you other reviews of the company. Most of the major debt relief companies (and many smaller ones) have dozens of online reviews from happy (and sometimes not so happy) customers.

It is almost always a better idea to go with an established company with a number of clients rather than one that is brand new or has little information available on it. (

The Most Reliable Debt Relief Companies

At Project Debt Relief, we are all about helping you learn to escape debt. Because of this we have compiled an extensive list of reviews of some of the best debt relief companies around.

Our debt relief directory is an awesome place to start your search.

Furthermore, you can take a look at our debt relief reviews for even more information on some of the best debt relief companies around.

A few of our absolute favorite include:

  • National Debt Relief – Specializing in debt consolidation and debt settlement, National Debt Relief received 9.8 out of 10 stars when we reviewed them. They have a number of easy-to-understand services and great customer service. Find out more about National Debt Relief.
  • Freedom Debt Relief – Also focused on debt consolidation and debt settlement, Freedom Debt Relief is nearly as good as National Debt Relief, receiving 9.5 out of 10 starts in our review. With slightly different services, they offer the very best in customer service along with a fair pricing plan. Find out more about Freedom Debt Relief. (

Fortunately for those struggling with debt, finding debt help is relatively easy. As long as you take your time to sort through your options and research individual relief companies, you will be all set up with a reputable and reliable company.

In our next chapter we will discuss the pros and cons of using the services of such a debt relief company. In most cases, they are effective but in some cases DIY debt relief is more effective.

Continue on to Chapter 10 to learn even more about getting out of and staying out of debt for good.


  •, “Do I Have a Reliable Debt Relief Company?”

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