http://www.debtconsolidationweb.com/debt/debt-free-programs.html Debt free programs: Smarter than bankruptcy. Consider debt free programs over bankruptcy. After all, it's now required. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 You want to become debt free, don't you? Of course you do. But it can be hard to become debt free today without help from debt free programs. Ample Debt Help When it comes to achieving debt freedom, there are several debt free programs that can help. No longer is filing for bankruptcy your only option. In fact, if you're considering bankruptcy, you'll have to consider enrolling in one of these debt free programs first. It's a new law that Congress enacted in 2005. But that's actually a good thing. Bankruptcy stays on your credit report for seven to ten years. While some debt free programsmight show up on your credit report, it will appear as though you're trying to do something about your debt instead of just giving up on things entirely. Too many people see bankruptcy as the easy way out, with no regard for their credit. They learn nothing in the process, only to find themselves back in debt. That's why Congress passed this law, fighting for a debt free America. Here are the five basic debt free programs available: Debt consolidation Student loan debt consolidation Debt consolidation loans Debt consolidation mortgages Debt settlement Most of these debt free programs will get you out of debt in about five years, and since it doesn't mar your credit in the way that bankruptcy does, you might have a fighting chance at debt free living. You still might be able to achieve the American Dream of home ownership. You can get a new car. You can even reemerge from debt with a stronger sense of how to spend wisely, how to save, how to budget, etc. All of things can help you stay debt free in the future. Sat, 26 Jul 2008 15:00:00 EDT