Consolidating government services

A handful of agencies and programs provide indirect assistance with the credit card, mortgage, and medical balances.

Both federal and state governments offer limited forms of credit card debt forgiveness.

For-profit companies that sell debt settlement services over the telephone must comply with four basic rules.

Likewise, the government does not directly support payday loan debt relief.

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You will not find government loans to pay off debt.

However, several state benefit programs may help people with temporary and/or permanent disabilities to increase income or reduce medical expenses.

Use the extra free resources to pay down revolving balances.

These recommended agencies offer required education services for consumers undergoing bankruptcy.

The United States Government does not back debt relief programs directly to consumers – nor does it offer grants to individuals.

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