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Worried with Debt? Frustrated with Harassment Calls? Eager to be "Debt-Free" for life?

Are you ready to release the stress and frustration from a mountain of unsecured debt? You will find our staff of well-seasoned financial professionals waiting to show you a life free from debt, ready and willing to help you build for a bright financial future. We are a company that has helped thousands of individuals, just like you, to settle their debt challenges.

We will assist you in doing what is right by demonstrating your character and integrity in paying off your debts. We will provide you with an easy and convenient method to resolve your debt, thus eliminating the need to file bankruptcy.

Please take the time to walk through each phase of information you will need to reach your ultimate goal of becoming debt-free. You can click on the specific subject titles to the left of each screen to obtain answers to all of your questions. We look forward to working with you and ask that you take the walk with us towards a life without debt and financial stress. We welcome you on board and will be there to help you create an exciting new debt-free lifestyle. Now is the Time for Debt-Free Living!

Our Mission

The mission of the we is to offer the highest quality service of our professional team in providing clients the best possible program to eliminate their debt in a timely manner. Our purpose is to establish a well-balanced foundation on which to build your financial future. Through legal and practical solutions, we create a significant improvement in the lives of people, just like you, whose unsecured debt has become a suffocating burden.

Our Debt-Elimination program will drastically reduce both the principle amount of the debt load you are carrying, as well as, (in most cases) your monthly payments. You will also find the time required to eliminate your unsecured debt will be drastically reduced. We also provide extensive instruction to our clients regarding applying future discretionary funds toward their secured debt, with the objective of becoming totally debt-free in less than half the time originally planned.

There is a commitment we do require from you, our client, to work toward and accomplish these goals; specifically, a commitment to our comprehensive course of information that will enable you to understand two vital principles:

The Proper Use of Credit
The Advantages of Debt-Free Living

Bye2Debt is a consumer advocacy company representing companies offering a preferred alternative to either perpetual payments or bankruptcy. We help people of all ages and economic strata to eliminate their debt as soon and simply as possible, minimize their future use of credit and learn to build long term wealth.

Take the Quiz

YES	Question
	Are you a victim of the credit card game? Do you "rob Peter to pay Paul" each month to pay the minimum monthly payments on your credit cards?
	Do you pay only the minimum payment or less on your credit cards each month?
	Are you "maxed out" or over your credit limit?
	Are you borrowing to purchase items you once bought with cash?
	Are you paying late fees every month?
	Are you barely making ends meet on your current income?
	Have you taken cash advances from your credit cards or drained your savings account in order to pay your credit card bills?
	Would living without your credit cards be difficult?
	Do you use your credit cards to go shopping at the mall or the grocery store?
	Are you experiencing challenges in your relationships due to debt?

If your answer is Yes to 3 or more of the above questions then the Debt Elimination Program can help you. Please contact your Debt Counselor by email or phone so he/she can assist you in the qualification process.

What is Debt Costing You?

Here are some statistics...

Starting Balance	Starting Payment	Interest Rate	Years to Payoff	Total Paid
$10,000	$250	18%	31.8 years	$24,615
$20,000	$500	21%	49.2 years	$66,027
$30,000	$750	24%	78.5 years	$148,812

Using credit and only paying the minimum amount due, you will be in debt for the next 30-plus years. These calculations were made using the "True Cost of Paying the Minimum" calculator on BankRate.com. *Banks will lower the minimum payment as the account balance decreases.

A U.S. Department of Health and Human Services study says that out of every 100 Americans born 65 years ago...

25 are dead
20 have incomes under $6,000
51 have incomes of $6,000 to $35,000
4 have incomes over $35,000

Where do you want to be? The time for the Debt- Free revolution is now! Can we deny there is a huge consumer debt problem in this country? Check out these interesting statistics.

Consumer debt in 1993 was $711 billion. Today it is $1.7 trillion.
There were almost 1.5 million personal bankruptcies in 2001.
Eight times as many Americans are going bankrupt today than during the Depression.
More than 50 million households carry credit card debt with an average balance of $8000.
The average household has 11 credit cards and pays more than $1,600 in interest a year.
Today, 40% of credit card households say they have "great difficulty" making their payments.
Between 1980 and 1992 the rate at which banks loaned money to businesses fell from 13.4% to 3.5%.
During the same period, the rate credit card companies charged consumers rose to an average of 18%.
As of 2000, 92% of U.S. family disposable income was spent on paying debt; up from 65% in 1975.
Nearly half of all Americans have less than $10,000 saved for retirement.
Only 27% of Americans know how much they will need for retirement.

On average, Americans can expect to receive 37% of the annual income needed to live comfortably during retirement.

A person making $50,000 a year will need a retirement nest egg of $1 million to replace that amount at retirement and will need to save $2,397 per year for 20 years to reach that goal.

Are you tired of being in debt? Now you don't have to be!

Home | Debt-Elimination Program | Get Started Today | FAQs | Contact