NevadaDebtRelief.org
Get Out Of Debt While You Live Your Life

Combine Qualifying Bills Into One Lower Monthly Payment

  • See your qualifying accounts
  • Compare best options
  • Request one lower monthly payment
  • Avoid bankruptcy

Join 200,000 Nevada residents.

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A Message of Hope...

These are uncertain times for everyone. We have a message of hope for you, your family and your neighbors. We're committed to guide and support you. We believe there's no place for passing judgment, only lifting each other up as we work together to remove the burden of financial difficulties. Together we are stronger.

Help For Nevada Residents

Account Resolution Plans (ARP) are providing a vital lifeline for Nevada residents who are struggling to keep up with minimum payments, those who have fallen behind, or those who are being forced to use credit cards or personal loans to take care of personal or business expenses.

ARPs are available across a wide range of income levels. No credit approval is required.

Which Accounts Are Eligible?

Most of these accounts are eligible: credit cards, store cards, medical bills, personal loans, and other unsecured debts not backed by collateral.

What Are The Benefits?

These resolution plans are designed to combine all qualifying accounts into one lower monthly payment so you can resolve financial burdens faster without declaring bankruptcy. This could immediately provide much-needed breathing room for you each month.

What Is NevadaDebtRelief.org?

NevadaDebtRelief.org is a free resource where residents may find help through free do-it-yourself tools. In addition, residents may request a free evaluation and savings analysis to find out which of their bills are eligible for assistance.

We're here to help you. We've served over 200,000 Nevada residents since 2009.

Will Credit Counseling Help You?

These days, more and more individuals in Nevada and across the country are struggling with credit cards and other unsecured debts such as store cards, gas cards, medical bills, doctor bills and more. If unmanageable credit card is also a reality for you, you may be seriously considering credit counseling. In fact, if you have a serious level of debt and are also considering bankruptcy, it's now required that you undergo credit counseling prior to filing for bankruptcy.

The goal of a credit counseling program is to combine or consolidate all of a consumer's debts into one more manageable payment each month. Through the benefits of debt relief such as lower interest rates and the waiving of late fees and penalties, a debt management plan (DMP) coordinated by a credit counselor or debt counselor can help consumers get out of debt at an accelerated pace and, quite possibly, save a substantial amount of money as well.

If you are experiencing a financial hardship and need to explore your debt relief options, you can get your free debt relief evaluation and savings estimate at no obligation.

How Does Credit Counseling Work?

Credit counseling agencies, through certified credit counselors or debt counselors, provide a variety of helpful debt relief services for individuals and families. This includes assessing an individual's unique debt circumstances, budgeting, financial education, and in many cases, providing you with tools to help manage your finances and move toward the dream of financial independence and a debt free future. The goal of such programs is to, hopefully, give these consumers better money management skills to help them avoid falling back in debt.

Benefits of a Debt Management Plan

Credit counseling agencies may also help provide debt relief by working with debtors to establish a debt management plan, also known as a DMP. Debt Management Plans could provide debt relief by:

  • Lowering monthly payments
  • Reducing interest rates
  • Waiving of late fees and penalties
  • Consolidating or combining debts into a single, more manageable, monthly payment
  • Helping individuals save substantial money and allowing you to get out of debt in less time than you could on your own if you didn't have the benefits of lower interest rates and continued to pay only monthly minimums

Could Debt Relief Help You? Get your free debt relief analysis and saving estimate today.

Debt Relief Alternatives

Credit counseling is a proven method for debt relief that has helped many individuals and families, but it's important to know that debt management requires basic discipline and restraint to avoid credit cards. It normally takes three to five years to complete the program and realize the full benefits of debt relief. On the other hand, an alternative to debt management is debt settlement, considered a more aggressive form of debt relief that could help you get out of credit card debt faster, assuming you can accumulate money in a "set aside" account which can later be used to extend a settlement offer to creditors.

With debt settlement, it is interesting to note that if credit card companies decide eventually to "sell off" your debt as "bad debt" to a collection agency, creditors may get as little as 10 cents on the dollar, so it is not surprising that credit card companies may be willing to accept a reasonable settlement offer made by you or by a debt settlement company on your behalf. It is important to be aware that when consumers default on the terms of credit card agreements to set aside monies in a settlement fund, creditors may threaten or take legal action. In addition, money saved through credit card settlements are subject to federal taxation. Finally, debt settlement typically will have a negative impact on personal credit, but not as serious or long lasting of an impact as personal bankruptcy.

Many individuals and families in Nevada, like many across the country, are struggling and experiencing financial hardships that make it difficult to obtain life's basic essentials, such as food, utilities, rent, or even childcare. To help people who need financial assistance, including the elderly and those needing medical assistance, the state of Nevada has programs and services that help these people get what they need, acting as a sort of lifeline. Examples of such programs include the Children's Health Insurance Program or CHIP, Medicaid, and Nevada Head Start. To find out more about these services and resources, go to the state's homepage Benefits section.

The bottomline is, whether you choose to enroll in a debt consolidation program, debt settlement service, or even turn to the state for financial assistance, it is important to understand clearly how much debt relief can potentially save, how long it will take to realize those savings, and the impact that any debt relief program could have on personal credit and taxes. Get your free debt relief analysis and savings estimate.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's bankruptcy alternatives to lower your payments and get you out of debt much faster than you ever imagined.

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, bankruptcy alternatives can help save you money and get you out of debt faster.

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is there are bankruptcy alternatives that can help you save money each month and take control of credit card debts.

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are hardship programs that can help you.

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are hardship programs to help you get back on track.

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is there are hardship relief programs that can help you save money each month and help you get out of debt faster.
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