Do It Yourself Debt Settlement
Have you ever known or heard of someone who
earned a fortune, but wound up penniless?
How you handle debt is the single most important
factor influencing your financial well-being.
Learn How To Become Debt Free In A Matter Of Months Not Decades
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Neither Debtools nor its shareholders, directors, officers, employees, representatives or agents provide legal, accounting or tax advice. Debtools encourages you to seek licensed and professionally qualified counsel for advice regarding any legal, accounting or tax matters that may be of concern to you.

We make every effort to assure that information contained on this website is obtained from reliable sources. However, laws, regulations and practices may change more rapidly than we are able to research, confirm and update the information here, which could lead to omissions of material information or inaccuracies on this website. Furthermore, the actual effect of laws, regulations or practices can vary widely depending upon the fact-specific context in which they are applied, which we have no way of knowing when we post information on our website.

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The Danger Signs
Of Excess Debt
You make only minimum payments on your credit cards each month.
You are at or near the limit of your credit cards.
You applied for more credit cards in the past year.
You have begun charging small items or essentials like food and gasoline.
You have recently paid a monthly bill using a credit card cash advance.
You are often late paying some or all of your bills.
You are unsure how much you owe creditors.
You are receiving calls or overdue notices from creditors.
You have no budget.
What To Do If More Than Two Of These Apply To You?
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