Debt Relief & Forgiveness

Five things the phrase can mean, what each costs, who each one is for, and how to tell a nonprofit counselor from a company selling you a program.

Forgiveness exists, and it is not a program you apply for. Here are the four ways it actually happens, what each costs, and the tax bill nobody mentions.

No federal program forgives credit card debt. What the ads really sell, what the government does do, and the four real programs people confuse it with.

Most major issuers will cut your APR or pause payments if you ask. They do not advertise it, there is no credit check, and here is exactly what to say.

The industry is legal and regulated, which is not the same as good value. Three questions that separate a counselor from a salesperson, in one phone call.