• Getting completely out of debt can be a difficult and overwhelming task for many consumers. Negotiating lower interest rates and payment arrangements with lenders can be intimidating. Choosing a debt help company to work with lenders on your behalf can take the stress out of debt management and help you get out of debt.
  
  

InCharge Debt Solutions

• InCharge Debt Solutions is a non-profit organization that offers credit counseling and debt management services to over 90,000 consumers throughout the United States each year. The company also offers educational services to teach consumers about budgeting and staying out of debt. InCharge will work with lenders to lower interest rates on credit products and will consolidate the consumer's monthly payments into one. Each month, the customer will submit one payment to InCharge, who will then divide the amount between creditors. In addition, the company offers a debt settlement program and will negotiate with lenders to accept one lump sum payment from a customer for a lesser amount than what is owed.
  
  

CareOne Debt Relief Services

• CareOne is a non-profit debt management company that boasts of relationships with over 220,000 lenders throughout the United States. The company has assisted over four million consumers with debt repayment plans, allowing them to pay down their debt over a shorter period of time. Customers of CareOne will receive a personalized repayment plan, along with ongoing support throughout the repayment process. Under the debt management plan, CareOne will work with lenders to lower the interest rates of customers, as well as waiving any late fees on the account. The customer will then submit one monthly payment to CareOne that will be dispersed among creditors. Also available is a debt settlement plan, allowing customers to pay off their creditors in one lump sum and for a lower amount than the account balance.
  
  

Franklin Debt Relief

• Franklin Debt Relief is a debt management company that combines the financial ideas of Benjamin Franklin and Franklin Delano Roosevelt in order to provide debt relief services. The company's New Deal program allows customers to combine all of their unsecured debts such as credit cards and medical bills into one monthly payment. Franklin Debt Relief will work with lenders to lower interest rates and submits monthly payments on behalf of the customer. Debt settlement and debt negotiation plans are also available, with Franklin Debt Relief working with lenders to negotiate a one time payment that will clear the customer's account for less than the balance owed.