California's Trusted Name In Debt Relief
Free estimate by phone 1-866-584-0769
People with multiple credit card debts may be surprised to see how much money they can save with a monthly debt relief program.
— TennesseeDebtRelief.org
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Need Affordable Credit Card Payments?
See how much lower your monthly credit card payment can be. It's fast and easy to see if you qualify...
  • $35,000 debt relief savings estimate 5 minutes ago in West Liberty, KY
  • $37,500 debt relief savings estimate 9 minutes ago in Maryland Heights, MO
  • $50,000 debt relief savings estimate 17 minutes ago in Los Angeles, CA
  • $30,000 debt relief savings estimate 14 minutes ago in Cottage Grove, MN
  • $40,000 debt relief savings estimate 18 minutes ago in Arlington, TX
  • $65,000 debt relief savings estimate 28 minutes ago in Keota, OK
  • $70,000 debt relief savings estimate 32 minutes ago in Willis, MI
  • $40,000 debt relief savings estimate 30 minutes ago in Fredericksburg, VA
BBB Accredited
Powered by Envoy

Government Debt Relief

Just as in other states, many residents of Tennessee are struggling with high credit card debt and are looking for debt relief assistance from the government. As payments pile up and interest rates begin to mount, carrying debts from multiple credit cards, as well as unsecured debts (like medical bills, retail store charges, or utilities), can become increasingly stressful. Seeking help, many people who are in debt are turning to the government for relief. While the government is certainly interested in helping people in Tennessee and other states climb out from under their debts, there are no grants or bailouts issued by the government to give consumers debt relief.

The good news is, there are many debt relief options that can help either by providing you with a single, more affordable and more predictable payment plan made to a credit counseling agency - as is the case with debt consolidation. Or, another option is what's known as debt settlement, where you can settle, or negotiate with creditors, for substantially less than your original debts. Both options have become popular alternatives to bankruptcy, which can affect one's credit in a long lasting and devastating way.

To see how debt relief can help you and how much you can save, request a free debt relief analysis and savings estimate today. It only takes minutes!

"How Can Consolidation Help Me?"

Many residents in Tennessee hold debt from several sources such as medical bills, utilities, department stores, and credit cards. This complicated tangle of debts can sometimes make it all but impossible to understand what you owe and to whom. For many consumers, debt consolidation provides a single, easier-to-manage, and more structured payment plan, that if followed faithfully, can help you pay off your debts at a more predictable and accelerated pace.

Coordinated by credit counselors, debt consolidation generally involves combining all your credit card and unsecured debts into one, simplified payment. This is usually done after they have reviewed your finances and determined how much money you can reasonably allocate to paying off your debts.

With their expertise, credit counselors can act as intermediaries between you and your creditors in the hopes of reducing interest rates, late fees and/or penalties. Through this process, you can, hopefully, whittle your various debts down to a single, more manageable debt, enabling you to focus your payments toward the principal - and not just the accumulating interest.

Understanding Debt Settlement

When you enroll in a debt settlement program, you are hoping to settle or negotiate with your creditors for significantly less than what you originally owe. That is the main difference between settling your debts versus consolidating your debts through credit counseling - where you are paying the entire amount of your debts, just at lower interest rates. However, debt settlement has risks:

As the term "debt settlement" implies, credit card companies are certainly not legally required to "settle" or accept your settlement proposal. In many cases, you will be advised to stop making payments on your credit cards to save up funds, over a period of time that you can later use to make a reasonable settlement offer. While in the process of saving up funds and not making payments, many consumers are essentially defaulting on their credit card agreements and face the threat of a lawsuit from creditors seeking to collect debt. In addition, many consumers who default on the terms of their credit card agreements typically see a decline in their credit scores.

But in spite of the risk involving one's credit, debt settlement remains a popular alternative to bankruptcy - which, as mentioned previously, can have a more serious and longer-lasting effect on your personal credit.

Debt Relief Options and State Resources

Although there are no "silver bullets" from the government to help consumers pay off their debts, the state of Tennessee has programs that may be able to provide financial assistance. Many residents, for example, are saddled with federal student loans. For them, there are programs similar to traditional debt consolidation, but specifically focused on student loans, that can help achieve a lower interest rate and more convenient payment schedule.

In addition, there are various state-sponsored services or programs that are designed for low-income residents. The state of Tennessee offers many programs that can assist with job training and employment, access to health care services, and other basic necessities like food and childcare. In addition, the state's Housing and Development Agency has programs designed to help residents with their housing and mortgage concerns, including avoiding foreclosure.

The bottom line is, whichever debt relief option you choose, the important thing to remember is that you are not alone when it comes to managing your debts. You have many debt relief options that can not only help you pay off your debts, but can also lead to substantial savings. Find out how you can get help through debt relief by requesting a free debt relief estimate along with a savings quote. Begin now.

Saving thousands of dollars feels really good!
Know your debt relief options.
People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Cottage Grove, MN

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Cottage Grove, MN

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.
Who we're helping right now...

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, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Columbus, GA

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 credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– West Liberty, KY

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Lexington, KY

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, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Los Angeles, CA