Your #1 RESOURCE

for Debt Relief

Welcome

Debt cripples lives. From preventing the dream of home ownership to stalling career choices, it is a black cloud hanging over any life.

At Debt Academy, we want to help clear the sky and give you the most useful tools and information to overcome your debt.

With our expansive collection of data and debt management resources, we can help you work through your burden and determine the best solution for you. The journey toward a debt-free life can be long, but we want to be there with you, with expert advice and strategies to keep you on track. Debt Academy specializes in providing resources for managing personal debt, commercial debt, credit counseling, consolidation, and more. Take a look at a few of the ways we can help you.

Types of Debt

  • PERSONAL DEBT

    Whether it’s credit card debt, student loans, or medical bills you just can’t recover, personal debt can make you feel like you’re drowning with no hope for a life preserver. Whatever it is, it doesn’t matter how you got here. Debt Academy is here to help you find answers, implement solutions and help get you out from underneath your debt so you can breathe again.

    TYPES OF PERSONAL DEBT

    Credit Card Debt

    "You need to build credit! Get a credit card!" How many of us have heard those words, and then treated the card like free money, only to realize what trouble we were in once the bill came due? Or perhaps a personal emergency maxed out your credit cards and you defaulted on payments. Regardless of the situation, you aren't alone, and there are solutions available to help you to settle your credit card debt and repair your credit.

    Student Loan Debt

    Getting a degree is still the best indicator of future success, but it's also more expensive than ever, in a time when wages are plateauing and entry-level jobs simply aren't the bill-paying machines they once were. Debt Academy can connect you with student loan specialists ready to help you figure out whether student loan consolidation, debt forgiveness, or income-based repayment is the best option for you.

    Mortgage Loans Debt

    The idea of losing your home can be devastating. You shouldn't have to walk away from the place you have built your life simply because you've had a few bumps in the road. If you are facing a foreclosure on your home, we can help. We can help connect you with reputable foreclosure prevention programs and other resolutions so that you can decide what will be most beneficial for your situation.

    Medical Debt

    One of the great injustices in this world is having to deal with bill collectors while you are recovering from a potentially life-threatening illness or injury. The cost of medical care can be intimidating, but we can help you find a solution to your medical debt.

    Tax Debt

    Sometimes in the game of robbing Peter to pay Paul, we also end up shortchanging Uncle Sam. If you owe unpaid tax revenue, we can offer a variety of solutions to help you manage your tax debt. From working with the IRS on a debt management plan, to consolidation programs to help combine your debt into an easy to pay monthly sum, Debt Academy can help.

  • COMMERCIAL DEBT

    It isn’t just individuals who sometimes need financial help.

    Businesses can sometimes find themselves in dire straits, deep in debt, with no easy way out.

    Or they may find themselves the victims of delinquent payments from clients or even other businesses, restricting their ability to make a profit and grow.

    If any of this sounds like you as a business owner, we are here to help! From commercial loans to debt recovery, we have the tools and knowledge needed to help you get back on top again.

    TYPES OF COMMERCIAL DEBT

    Commercial Loan

    Running a small business is hard, especially in the first few years. And if you're like many small business owners, you might find yourself in need a commercial loan or other agreement with a bank. A vital piece of equipment breaks and you cant afford a replacement, or the business is going through a dry spell and needs a little help making payroll.

    Whatever the motivations, these types of arrangements are common. A financial institution supplies the necessary capital to keep the business going, funding large expenses or operational costs and the business agrees to pay back the money, with interest, after a set period of time.

    Commercial debt can come with a lot of flexibility, being renewable in some cases, and with the ability to fund a myriad business expenses. But if a dry spell lasts longer than you expect, you may find yourself feeling overwhelmed when the bill comes due.

    If you need help getting relief from commercial loans, Debt Academy can help.

    B2B Debt Collection

    B2B stands for "Business to Bunsiness", and it's any debt owed between two businesses. Either you owe money to another business that you cannot pay, or another business owes you money that you are now trying to collect.

    Either way, Debt Academy can help you find the best solution for your not-so-unique challenge.

    B2B refers only to debt owed between two businesses, rather than a business and an individual or two individuals. If you're unsure whether your situation qualifies, let us know. We are happy to answer any questions and help figure out what solutions are best for you.

    B2C Debt Collection

    B2C debt is a bit different.

    B2C stands for Business to Consumer. B2C Debt refers to any time clients or consumers fail to pay in a timely fashion (or at all).

    Your business depends on clients making their payments, and we know how stressful it can be to try and chase down delinquent accounts.

    If your business is having trouble collecting for goods provided or services rendered, we can help. Our expertise in debt solutions ensures a solution that gets your owed capital back into your business, without undue stress on your end.

    Debt Academy - Commercial Debt Solutions

    No matter where you are on the spectrum of commercial debt, we want to help. Contact us today and we will help find a financial solution that's just right for you.

How to Get Out of Debt

When you are over-whelmed and consumed with worry about debt, you need answers. And more than answers, you need solutions. Debt Academy is committed to helping everyone struggling with crippling debt, so that you can hold your head high and not avoid another call from the ‘unknown number’. We will help you find a debt solution right for you and your family so that you can live a debt-free life.

Did you pay the credit card? The personal loan? The medical bill? When you are struggling under multiple debt balances, keeping track of and paying each one can become a burden. There are multiple ways to consolidate your debt into one manageable sum, making it easier to keep under control with one monthly payment, either through balance transfers or consolidation loans.
A consolidation loan is taking out a new loan with a financial institution to help pay off several outstanding debts. This type of debt solution can be helpful if you're having a difficult time staying on budget because of the constant flow of incoming bills. Although this may sound like the easiest option and might leave you with more money at the end of each month, it is not always the best solution. It requires changing spending habits and managing a budget. If not handled correctly, you can find yourself right back in the same predicament or worse.
While overcoming debt may feel impossible, you CAN take control of your situation without taking out a new loan or filing for bankruptcy. It will take discipline, a new budget, maybe additional employment, and commitment, but with the right debt management plan in place, you can overcome your current financial situation and quickly be on your way to recovering your credit without incurring additional debt. .
In the right situations, you may be able to work with creditors to settle some or all of your debt. By negotiating directly with creditors, things like late fees, credit card fees, and even some of the outstanding balance on your debt can be adjusted to make it more manageable. When you negotiate with your creditors for lower rates and better terms, it's possible to make your payments spread further and pull you out of debt faster.
Credit counseling is a big picture service that helps you examine your overall financial situation. Credit counselors take a look at your income, expenses, your credit score. They get an accurate view of your situation and recommend solutions for recovering your credit. Counselors help develop skills, and provide tools and resources that are right for you so that you can take control of your financial future, avoid the same credit traps and live debt free.
While bankruptcy should always be a last resort, it is sometimes the best option or the only option left on the table. It is important to be informed of all that is required and be fully aware of the risks involved in declaring Chapter 13 or Chapter 7 bankruptcy.
Debt collection can mean two different things, depending on what side of the table you are sitting on right now. If you are a business owner, then you are most likely have consumers with outstanding balances, and you are looking into your options for debt collection and recovering the money owed to you for services rendered. If you are a consumer with unpaid balances owed to a business, you are most likely involved in an effort for that business or service to recover that debt. Either way, a third party often gets involved - a debt collector. This is a company or person, including collection agencies or lawyers, who collect outstanding debts owed to others when those debts are severely past due.
Debt Consolidation

Did you pay the credit card? The personal loan? The medical bill? When you are struggling under multiple debt balances, keeping track of and paying each one can become a burden. There are multiple ways to consolidate your debt into one manageable sum, making it easier to keep under control with one monthly payment, either through balance transfers or consolidation loans.

Consolidation Loans

A consolidation loan is taking out a new loan with a financial institution to help pay off several outstanding debts. This type of debt solution can be helpful if you're having a difficult time staying on budget because of the constant flow of incoming bills. Although this may sound like the easiest option and might leave you with more money at the end of each month, it is not always the best solution. It requires changing spending habits and managing a budget. If not handled correctly, you can find yourself right back in the same predicament or worse.

Debt Management

While overcoming debt may feel impossible, you CAN take control of your situation without taking out a new loan or filing for bankruptcy. It will take discipline, a new budget, maybe additional employment, and commitment, but with the right debt management plan in place, you can overcome your current financial situation and quickly be on your way to recovering your credit without incurring additional debt. .

Debt Settlement

In the right situations, you may be able to work with creditors to settle some or all of your debt. By negotiating directly with creditors, things like late fees, credit card fees, and even some of the outstanding balance on your debt can be adjusted to make it more manageable. When you negotiate with your creditors for lower rates and better terms, it's possible to make your payments spread further and pull you out of debt faster.

Credit Counseling

Credit counseling is a big picture service that helps you examine your overall financial situation. Credit counselors take a look at your income, expenses, your credit score. They get an accurate view of your situation and recommend solutions for recovering your credit. Counselors help develop skills, and provide tools and resources that are right for you so that you can take control of your financial future, avoid the same credit traps and live debt free.

Bankruptcy

While bankruptcy should always be a last resort, it is sometimes the best option or the only option left on the table. It is important to be informed of all that is required and be fully aware of the risks involved in declaring Chapter 13 or Chapter 7 bankruptcy.

Debt Collection

Debt collection can mean two different things, depending on what side of the table you are sitting on right now. If you are a business owner, then you are most likely have consumers with outstanding balances, and you are looking into your options for debt collection and recovering the money owed to you for services rendered. If you are a consumer with unpaid balances owed to a business, you are most likely involved in an effort for that business or service to recover that debt. Either way, a third party often gets involved - a debt collector. This is a company or person, including collection agencies or lawyers, who collect outstanding debts owed to others when those debts are severely past due.

How we can help

Debt Academy is the leading resource for debt relief and debt solutions. We understand that we are a nation of good, hard-working people that get into financial situations that are overwhelming, burdensome and down-right terrifying and debilitating. From unexpected medical bills to homeowner repairs to racked up credit card charges. Life happens. We are here to help lighten your burden by providing you with the information and resources you need to make the best financial decision for your situation, your family, your life. You can live a life without debt.

“Freedom from debt is worth more than any amount you can earn.” – Mark Cuban

We are currently assembling our FAQ section, but if you have a debt question that we can help you with, please fill out the form below and one of debt experts will get back to you as soon as possible.

 


Testimonial’s

When I wasn't sure where to turn or even where to start, I found Debt Academy. With their help, I was able to settle some of my credit card debt and set a course for paying it off. I'm no longer receiving unwanted phone calls and my overall stress level has definitely decreased! Thank you Debt Academy!

Shawn

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