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Michigan Resident Debt Relief. InCharge provides free, nonprofit credit counseling and debt management programs to Michigan residents. If you live in Michigan and need help paying off your credit card debt, InCharge can help you.

You can hire a debt settlement company who will negotiate with your creditor for a fee, or you can cut out the middleman and do it yourself. Debt settlement is commonly used when the borrower can no longer afford the high interest on credit card debt, coupled with the amount owed.

While there isn't a specific government debt relief program solely for credit card debts, various options exist to manage and reduce your debt. These options, such as credit counseling and debt management programs, are available for different types of debts, including credit card debts.

Options for debt relief include forgiving a portion of the debt, lowering the interest rate, stretching payments over a longer period, or consolidating multiple debts into a single, lower-interest one. Individuals, businesses, and governments may all seek debt relief when their debts have become unsustainable.

Yes, National Debt Relief is a legitimate BBB-accredited company with an A+ score from the Better Business Bureau, accreditation from the International Association of Professional Debt Arbitrators and American Fair Credit Council, and nearly 36,000 reviews on Trustpilot averaging 4.7 stars.

When drafting a debt settlement agreement, it is essential to include the following: Necessary information about the loan agreement. The contact information of both parties. The date of the agreement. The terms of the agreement. The amount of debt.