🚫 The Truth About Debt Relief Companies (and What They’re Not Telling You)

Let’s call it what it is—these companies are in business to make money, not to save you from financial stress.

Private entities like National Debt Relief and Freedom Debt Relief often encourage people to stop paying their credit cards so that the debts get charged off. Once that happens:

• 💔 Your credit score is trashed

• 💰 You’re paying them a monthly fee

• 🕓 You’re stuck in a multi-year process to rebuild

And get this: you could have negotiated with your credit card companies yourself, for free. You don’t need to wreck your credit in the process.

👉 Caveat emptor—buyer beware. These companies don’t offer real debt solutions. They offer quick fixes that can cause long-term damage.

🏡 Reclaim Control: Use Your Mortgage to Consolidate Debt the Right Way

If you're a homeowner, there's a much better tool in your financial toolbox: your home equity.

Instead of destroying your credit, consider these debt consolidation mortgage options:

• HELOC (Home Equity Line of Credit)

• Cash-Out Refinance

• Debt Consolidation Loan through Mortgage Lending

These tools let you:

• ✅ Pay off high-interest debt

• ✅ Reduce your monthly payments

• ✅ Preserve or even improve your credit score

• ✅ Avoid third-party fees and gimmicks

💡 Interest rates are higher than in years past, but if you’ve built up home equity, you may still come out ahead—especially when compared to 20%+ credit card interest.

📞 Let’s discuss your mortgage-based debt relief options today. Use my [contact form] or call/email me directly for a no-pressure conversation. I’ll help you weigh the numbers and make a smart choice.

🔎 Why a Second Opinion Can Save You Thousands

As a mortgage professional with experience in debt management, I’ve researched these “debt relief” companies and seen firsthand how clients are impacted.

Before you commit to a company that promises to eliminate your debt (but wrecks your credit in the process), reach out for a free debt consolidation consultation. We’ll review your financial picture and consider options like:

• ✅ Mortgage refinance for debt consolidation

• ✅ Home equity loans

• ✅ Strategic payoff planning

• ✅ Honest feedback on debt relief companies

🎯 You deserve trustworthy guidance—not a flashy sales pitch.

👋 Ready to Talk?

Thinking about how to get out from under credit card debt? Wondering if you should use your home loan or mortgage refinance to consolidate? Let’s look at the facts together.

🏠 I’m here to help Colorado homeowners and buyers make smart financial decisions with mortgages, home equity, and debt strategy.

👉 Contact me today for a second opinion or free consultation. Let’s protect your credit, reduce your stress, and make a real plan.