Transform Lives and Earn Income: Join the Debt Help Referral Program
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The Problem
The Consumer Debt Crisis: A Growing Opportunity to Make a Difference
In recent years, Americans have faced unprecedented financial pressure, driven by spiking inflation and mounting debt levels.
- Rising Household Debt: As of Q3 2024, total U.S. household debt has soared to $17.94 trillion, continuing a post-pandemic upward trend. (Source: Reuters.com)
- Credit Card Debt at All-Time Highs: Credit card balances hit $1.17 trillion, with a $24 billion increase in Q3 2024 alone, as consumers rely on credit to make ends meet. (Source: Yahoo Finance)
- Delinquencies on the Rise: The delinquency rate climbed to 3.5% in Q3 2024, as more Americans fall behind on their payments. (Source: Freddiemac.com)
- Interest Rate Hikes: To combat inflation, the Federal Reserve raised interest rates multiple times since 2022, further increasing the cost of borrowing and making it harder for consumers to manage or reduce their debts. (Source: CNBC)
A Crisis of Unmanageable Debt
For many Americans, even paying the minimum payments on their credit cards has become unsustainable, as high-interest rates prevent meaningful progress toward reducing balances. Without intervention, these individuals face a cycle of mounting debt and financial insecurity.
Consolidated Payments
Multiple debts are streamlined into one fixed monthly payment.
Lower Debt Loads
Professional negotiators work to reduce what consumers owe.
Path to Financial Freedom
Many consumers complete their programs debt-free in just 24–48 months.