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What is Debt Reduction
Discover why Debt Reduction can be a superior alternative to debt consolidation and bankruptcy.

The Debt Reduction process allows a debtor to reduce the amount owed on an unsecured debt in order to completely clear the original balance. All processes of reducing debt fall under the category, debt management. Do not get debt reduction confused with other debt management systems, such as credit counseling services or debt consolidation. Our trademarked system is a debt consolidation and bankruptcy alternative. To get a better understanding of all the options available for reducing and eliminating debt, view our compare the benefits page.

Our Company
What We Do
About Debt Reduction Program

Debt Free Living is a nationwide negotiation firm based in Long Beach, NY that specializes in unsecured debt negotiation for consumers. We are an effective and legally acceptable alternative to debt consolidation and filing bankruptcy....

Your Benefits
What benefits can you see from joining?
Our Program
How does our negotiation process work?

Millions of Americans are currently carrying huge debt burdens. Debt Free Living negotiates debt on behalf of our clients, with the goal ...

Do you remember what it was like to be debt free? Let us take you there again! ....
Please fill up the form for a debt reduction quote. Our debt consultant will be able to assist you further.


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Why Call Us Today?
  • We provide a free assessment over the phone
  • We provide a comprehensive plan for your situation
  • we can lower your debt to 30-50% on an average
  • We can coach you to handle your harassment calls
  • We provide a easy and simple solution along with friendly customer service
  • No monthly maintenance fees
We can prevent you from filing Bankruptcy
We provide an effective alternative through Debt Settlement
Cut your debt and have your finacial freedom

1-516-442-1977


To Qualify

Below is a list of the types of unsecured debt that will apply for a settlement program. A total of $10,000 or greater will allow you to qualify for settlement services. If you are unsure, and would like to speak with someone about your situation, then please fill out the form to the top right of the page.

Unsecured debt includes:
  • Credit Card Debt
  • Medical/Hospital Bills
  • Department Store Credit Cards
  • Oil/Gas Credit Cards
  • Personal Loans (unsecured)
  • Unsecured Bank Loans
  • Overdue Rent
  • Autos (Repos)
  • Local Merchants
  • Past Due Utility Bills
The following are NOT eligible:
  • Student Loans
  • Mortgage Payments
  • Car Payments
  • Secured Loans
  • Income Tax Payments
  • Less than $10,000 total
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Debt Settlement
in Major Cities of USA

Here is what a few of our clients have said about us. Quotes are from actual clients who were not paid or compensated in any way for their statements.

Jenny, I did receive the check and completion letter. Thank you so much for your help, couldn't have ever gotten out of debt without you.

merry christmas, Kathy weston
DFAA - Client Dec 2009

Hi Anisa, Yeah its been a really rough few years, its tough starting over at our age but it will be so great to be debt free! Thank you for going above and beyond for us, I wish I could give you a hug!

Cheryl K.
DFAA - Client Oct 2009

Jenny, Thanks for the explanation. For a moment I thought I had lost my mind - knowing I had 2 payments, but glad you cleared that for me.

Again, thank you for everything. Knowing there is help out there for people like me is very comforting. I speak highly of your work and will continue to put the word out to people, like me, who could use a little help and not drown in debt with the ever so high interest rates. I truly felt like I was drowning, paying interest on top of interest, and never getting anywhere but deeper. With my income stream dropping, it made it difficult to just survive. I, again, thank both you and Tim for helping me get some relief. You all are doing a great job!

Thank you,
Judy Bouchard
DFAA - Client Sep 2009

Thanks Jenny. I really appreciate all the work you have been doing. I have been getting phone calls on the other BoA account also stating that they are sending it to the law firm so hopefully they will hold off in good faith since we are paying this one off.

I do not want to promise the $800/m. That may become a burden. Being in real estate, the commision checks are few and far between so if I have a bad month I may be stuggling. If things start getting better, I will let you know to start working on that.

You are fantastic! I really appreciate the emails and updates on my a/cs. I was starting to get really nervous but now I am closer to getting DebtFree by Christmas this year.

Thanks again,
Erica S.
Weymouth MA

DFAA - Client July 2009

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"Thanks Tim for all your help on this! I don't know what we would do without you!!!!"

Carol
DFAA - Client Feb .2009

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"It's amazing the twist and turns we endure in this life and it's good to know there are good people out there who are willing to help us when we need it. God bless you Lynn. You are in my thoughts and prayers."

Cathy R.
Greenville, IN

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"Now, all my bills are consolidated into just one. And I've saved about 50% of my money because you guys negotiated it down! I can't thank you enough! Now, I can see the light at the end of the tunnel!!!"

Jeanne S.
Cleveland, OH

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"I wanted to buy a new house for my family, but I had bad credit due to too much debt. My sister told me about Debt Free Living and after talking to them, I had to enroll in the Debt Reduction Program. Now, my family has a beautiful home - all because Debt Free Living helped me take care of my debts. Thank you very much!"

Teresa A.
San Diego, CA

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"Thank you so much Jessica for helping me out and for sticking with me with all my questions and problems. You have been a life saver for me. Hope you had a wonderful Christmas and have a happy new year."

Kathy W.
Kingsport, TN



What Debt Free Living is not?


How does your debt reduction program work?


How long does it take to enter the debt reduction program?


What is the difference between debt reduction and debt consolidation?


What is a settlement?


Why would the credit card companies be willing to settle for less money to pay off the debt?


How will the debt reduction program affect my credit report? If so, how will it be affected?


Will collectors continue to call me?


How long before the debt is settled?


Can i negotiate my debts with the creditors myself?


Why does the money have to be in your account before you can start negotiating my debts?


What is the difference between bankruptcy and debt reduction? What is the benefit of avoiding bankruptcy?


What type of debts qualify for your program?


Do I have to give up all my credit card accounts?


What are the fees for the debt reduction program?


Will my credit card accounts be closed after I enroll in your debt reduction program?

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