American Debt Consolidation has been helping people just like you get out of debt since 2001 and has served over 100,000 clients .

You can start your free quote by filling out the form online quote form or call us at 1-800-828-1477. By getting an online quote you're not obligating to anything, and it doesn't hurt to know what options that are out there and avaible to you when dealing with your debt.

By consolidating your debt or settling your debt, you're choosing to be debt free. Stop throwing away your hard earned cash on high interest rate credit cards.

Have you looked at your credit card bill lately?

By Law credit card companies are now required to disclouse on your monthly statement how long it will take you to pay that card off, if you're only making the minimum monthly payments. If you're like most americans, that's the case. Over 80% of all american consumers only pay the bare minimum or just a few dollars extra on their credit card bills each month.

The reality is, at that rate it could take between 15 and 30 years to pay your debts off and that's what the credit card companies are banking on literaly. Credit card companies only have one thing on their agenda, making a profit. If they told you upfront "yes we'll give you $10,000 to spend today, but you have to pay us back $29,000" you would have never signed up for that credit card in the first place.

Do the math yourself, get one of your recent credit card statements and Do The Math!

Let me give you an actual example of a real client of ours with an American Express credit card, (click the small picture view pop up of the actual monthly statement).

The clients Amex balance is $9,940.38, normal monthly payment amount is $306, on this statement they want $618 since the client is behind 60 days, but it states "If you make no additional charges and each month you pay only the minimum due, You will pay off the balance shown on this statement in 29 years, and you will pay an estimated total of $29,679".

Including our fees, (which we don't charge until after the debt has been settled and paid off), this client paid in total $4473 to settle this debt, that's a saving of $5467 on the principal balance, not to mention the $20,000 in finances charges the client would have paid if they'd stuck with paying just the minimum monthly payments.

Sadly it's still legal in the United States of America for credit card companies to rob you of your hard earned money.

The difference between us and other debt settlement companies is that we give it to you straight. There's no hidden fees and we tell you everything upfront. We've been in the debt management business since 2001 and have a good rating with the BBB, even though we're not a paying (accredited member) we still maintain a high rating.

The form below will give you a free quote on both debt consolidation and debt settlement so you can see the cost difference between the two programs.

If you have more questions, take a look at the FAQ's section and/or give us a call at the number above.