Los Angeles, CA -- (SBWIRE) -- 06/02/2015 -- Credit card debt relief and debt consolidation programs are today helping Americans who are struggling with personal debt to reorganize that debt and become debt free. There are a great number and varied approaches towards dealing with personal debt such as that from credit card debt, medical/hospital bills as well as personal loans including private education loans.

There is no one size fits all program for reducing debt therefore it's important to explore the options available, make an informed decision and then get started. Some of the best debt help programs available today include the following:

Debt Consolidation – This approach towards restructuring and eventually paying off debt typically entails taking out a new loan (called a debt consolidation loan) to pay off one's existing debts. This helps a person to streamline their payments as they'll make just one monthly payment rather than several monthly payments to various creditors. In some cases, debt consolidation may also allow a person to obtain a lower interest rate and lower monthly payments.

Debt Settlement – This is an aggressive approach towards resolving debt and is best suited for those who simply can no longer afford to make their minimum monthly payments or who have already fallen behind on their debt payments. The debt settlement process involves a debt settlement service negotiating on behalf of the person in debt with their creditors to resolve that debt for a reduced amount. The savings can be significant.

Credit Counseling – Reputable credit counseling organizations can advise a person on managing their money and debts, help them develop a budget, and offer free educational materials and workshops. They discuss a person's entire financial situation and help them develop a personalized plan to deal with their money problems.  Credit counselors may also negotiate concessions from creditors to reduce or eliminate interest charges and stop late and over the limit fees.

The good news is that true debt relief may be just a click away. The key is to take action.

About National Debt Relief Program
National Debt Relief Program offers a free debt analysis which can be taken advantage of at their website: http://www.nationaldebtreliefprogram.org/

Contact:
Jonathan Chase
310-994-3124
info@nationaldebtreliefprogram.org