Who We Are
Help With Debt provides resources to people looking to overcome financial difficulties.
Help With Debt offers a unique, solution-based experience for our users. We have collected a wealth of financial education information and combined it with a professional matching service for many common financial problems, creating a solution powerhouse for you. Our site was built by contributors with extensive backgrounds in the professional fields of consumer financial hardship assistance. We draw from deep industry roots to bring you together with trustworthy, experienced professionals with track records of success.
“Getting matched with the right services for my problem was fast and easy. I’m not exhausted from searching myself. Now I have some clarity and my energy is going towards engaging in the solution. It’s great to see the light at the end of the tunnel.”
What We Do
This site was developed as a resource to consumers suffering from common financial problems. When looking for help online, it’s easy to get lost in a sea of companies offering quick fixes to your problems. Finding resources to learn about your situation, how to get out of it, and how to stay out of it, can be overwhelming. Our goal is to be your one stop resource for information and services. We have consulted with experts and combed the web for you, so the information is gathered and organized for you to easily review. If you want real help now, you’ve come to the right place. Start with this step-by-step guide:
1) Step One: Identify the problem
If you are suffering from a financial problem, chances are you know what the main problem is. But often times, problems in one area of your financial life create a domino effect. For example, falling behind on your debts creates problems with your creditors, but also has an added negative effect on your credit score. Making a list of the problems you are suffering from, the challenges you are facing because of them, and your goals is a great place to start. This will help you as you move through the steps towards achieving your desired results. Be sure to keep the list handy for future use.
2) Step Two: Do your homework
Arming yourself with the facts is empowering. Doing your research doesn’t have to take hours or be overly laborious. Reviewing the information in the Knowledge Center can bump up your baseline understanding of finances quickly. Many people find it helpful to familiarize themselves first with the credit and debt areas. This will help you determine what the core issues truly are. We’ve created a cheat sheet that will help you document the information applicable to your situation. You can use this to easily discuss your circumstances if and when you choose to enlist the help of a professional.
3) Step Three: Find help
Now that you fully grasp what your core problems are, it’s time to fully explore your options for overcoming them. You don’t have to go it alone. Visit the Solution Center for a comprehensive listing of professional solutions to common financial problems. You’ll answer a few simple questions and send them over to our team. We will review your needs and have a qualified professional who is experienced with your kind of issues contact you. If you aren’t ready to get started with professional help, that’s ok. Visit our self-help guide for practical guidance and do-it-yourself resources.
4) Step Four: Get committed
This is a great time to revisit the worksheet you filled out during step one. If you are working with a professional, it’s important to discuss your goals with them early in the process. Now is when you will find there may be some adjustment required to align your goals with what is realistically possible. While the professional help will contribute time, labor, and experience, you will still need to actively participate in achieving your goals. Your input will be needed, and you should be prepared to respond swiftly. When you have the right help, the single most important factor to succeeding is your ongoing engagement to the process.
5) Step Five: Patience and vigilance
You’ve taken big initiatives to remedy your situation and should begin to see the light at the end of the tunnel. It’s common to get a little restless or even anxious at this point. Remember, this is a process. Ask yourself how long it took to get into this situation. Predicaments like this don’t happen overnight. The same can be said for getting out of them. If you’ve followed these steps, you can be sure you are on the right track. Occasionally, there will be unforeseen setbacks. Shine some light on where you are going and get excited about reaching those goals, no matter how much time it takes.
6) Step Six: Set up for success
Gaining some perspective around how far you have come is very helpful now. As you begin to achieve results, ask yourself what you will do with this next chapter. It’s time to write new short and long term goals. Knowing exactly where you stand financially is half the battle. Review the coursework in the Personal Finances. There are resources there that can help create a budget and stay on top of your finances so you always know your standing. You should be incredibly proud of yourself and excited to embark on this next chapter.