Unfortunately, millions of Americans who are struggling with their debts continue to just barely make their monthly payments. Most of these people just keep doing whatever they can to continue making minimum payments for the rest of their lives. If you are facing severe financial hardship, and making these minimum payments is making it difficult for you to make ends meet, then this is a no win situation. If you are only meeting your minimum payments, you are paying almost entirely interest charges; not paying down your debts.

This means that if you owe $10,000 today, it will cost you as much as $20,000 to $40,000 over the next 10-20 years before you are debt free.

If making your minimum payments and getting out of debt in a reasonable time frame is causing you a financial hardship, FCR's Debt Reduction Program can help you to negotiate reductions on your debts, avoid bankruptcy, and come to an agreement with creditors on your terms, not theirs.

In Financial Credit Relief Debt Reduction Program we find the optimal solution for you; not your creditors. By working through a plan based on your specific situation, we can typically settle your debts over the next 2-4 years, and potentially at a 40-60% discount to what you owe.*

* Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment.