You're in debt…... No? Congratulations, you're in the minority! Americans hold over one trillion dollars in debt making it difficult to crawl out from underneath mountains of bills. Overdue student loans, credit card payments, and medical debts keep you buried. It can seem like once you're in debt, that's it, you're in debt forever, but there is help! Debt settlement may be the right option.

Debt settlement is a process that allows you to pay less than the amount you owe to resolve your debt. Debt.com connects you with third-party agencies that will contact creditors on your behalf and negotiate to minimize your debt if it's over $10,000. That usually means paying one lump sum that's considerably smaller than your total debt or paying monthly smaller amounts. Either way, it means in the long run, you pay less.

Before you consider declaring bankruptcy, take a look at debt settlement. Debt settlement is an option that many not negatively affect your financial life to the same degree as a bankruptcy. Bankruptcy remains on your credit reports for at least ten years. This can adversely impact future financing a house or a car, or securing loans for college or life emergencies.

One of the reasons people are wary of debt settlement is that you pause creditor payments while the settlement deal is worked out. If you've never missed a payment before, this could cause a dip in your credit score. However, once negotiations are reached, the amount of debt owed will shrink. Now that your debt is smaller, you can pay it off in a shorter amount of time.

Trying to settle your debt yourself can be a difficult process. Calling creditors who put you on hold and won't listen to your case is frustrating and massively time-consuming. Your time belongs to you, and Debt.com can help you save time and money.

You can call now, or go online to Debt.com, to chat with a representative about your case. It doesn't matter if you've missed payments or if you have been making them on time every month; you deserve to lessen your debt. The fee you pay will be built into your new monthly payment.

Want to see how long it will take you to pay off your current debt? Check it out.

Debt.com's matching service has a strong relationship with credit providers, so if you've had bad luck in the past, their representatives' expertise could be the key to unlocking a debt-free future. Give Debt.com a call at 844-262-2631 to see how they can help you!