Sometimes in life, we face obstacles that can cause unexpected financial pressures. After trying to manage bills and expenses, I found myself in a cycle of debt. For years, I was drowning in debt- constantly trying to make my minimum monthly payments and worrying about the status of my bank balance. It felt like I'd never be able to get myself out of it and overcome my financial issues.

I knew there were multiple options available, but I didn't know that I could actually lower the total amount of debt that I owed through debt negotiation. A friend recommended Debt.com. It sounded too good to be true, but I discovered that Debt.com's experts have years of experience and can help me with debt negotiation.

Navigating my way out of debt felt like an impossible feat, but with Debt.com, it was much more manageable than I ever imagined…...

How Does It Work?

Debt settlement allows you to get out of debt faster because you're paying off a percentage of what you owe. Debt.com matches you with a third party agency that has financial experts who analyze your debt and then negotiates on your behalf. From there, your debt expert helps you figure out a new, reduced monthly payment that you can afford.

Do I Qualify?

Everyone's situation is unique, but if you have over $10,000 in unsecured debt and a steady income, then you're a great candidate. Debt.com has a convenient online calculator that can help you see if you're a good fit. [widget]

From there, you'll be matched with a financial expert who looks closely at your finances and expenses. Consultations are free of charge and won't negatively affect your credit score in any way. You might even be approved the same day!

How Do I Apply?

You can apply online or by phone. First, tell Debt.com about your current circumstances, your employment status, the total amount owed, and if you've fallen behind on your payments. Once they determine that you qualify, Debt.com will match you with a third party agency that will take care of all of the negotiations so you don't have to. You'll always be informed about every step of the process and will have ultimate approval over the settlement reached.

How Much Does It Cost?

Once you are happy with the negotiation and settlement amount, fees are generally rolled into your monthly payments. All fees will be listed upfront and are usually a fraction of the amount of debt you originally owed. The forgiveness of the debt amount should always greatly outweigh any fees.

Being in debt doesn't have to be the end of the world. For years, that's how it felt for me. But Debt.com makes it easy to get on top of your finances, and I finally have peace of mind and security.