At Practical Debt Solutions, we offer debt relief programs for individuals and/or families who have in the past, are currently, or will soon be drowning in high interest debt. We have Consolidation and Settlement Programs to Reduce your Debts. The truth is, most know very little about debt settlement and how it may improve their lifestyle. Utilizing our network of debt arbitrators, we will reduce your outstanding debts by up to 60% directly with your creditors. Our savings program is customized for each individual and their "specific" financial needs. Thus providing a stress-free, straightforward, practical debt solution.

Through our site, you will obtain information about the debt settlement industry, how you can be debt free in 12 - 36 months and how to protect yourself from predatory lending in the future. Take a moment to read through and gather the knowledge needed to simplify this process. If you are in need of immediate assistance, leave the guidance to us. Call today to speak with a debt counselor or simply fill out the required online information to receive a FREE debt and budget analysis today. Either way, we are here to assist you in obtaining the most  "Practical" debt solution.

Learn From Our Professionals:

Debt Settlement Blog

Reduce your debt obligations by up to 60%
Reduce or even eliminate high interest rates
IAPDA Certified Debt Specialists & Debt Arbitrators
Become debt free in 12 - 36 months
Avoid Bankruptcy and Consumer Credit Counseling Services
Put an end to harassing creditor phone calls
Customized payment program to fit your financial budget
Save hundreds, even thousands while improving your credit rating

Bankruptcy, CCCS, as well as Debt Consolidation can adversely affect your credit rating for up to 10 years. Debt settlement on the other hand, was designed to benefit all parties involved. Creditors recover more than if you filed for bankruptcy, the judicial system is not  burdened with your case, and most important, you CAN respectfully resolve your debt and focus on living debt free once again. In the example provided below, you will notice an instant reduction in the amount you currently pay your creditors by $200 per month! Set this savings aside, and by the time you graduate from the program, you will have accrued $8,700 in cash and eliminated a total unsecured debt of $30,000 for just $16,500. Our savings program comes second to none! Call or Click Today!

Our mission

We are committed to providing "quality" customer service to our clients. Our obligation is to pair each client with a debt counselor whom is capable of providing the tools, knowledge, and support necessary to create and maintain a workable budget, fulfill all creditor obligations, and plan a secure financial future. Through education, our clients will obtain the knowledge needed to manage their finances and help mold our economy into a thriving and stable one. We are fully committed to providing you with the professionalism and customer service you would expect from a company handling your finances.

"Practical Debt Solutions took me by the hand & walked me through the roughest time of my life. My debt counselor helped me feel at ease. Thank you PDS for all that you have done for me!"                  - Sheila H , CA

"PDS helped me get through by setting an affordable amount to pay my creditors. So instead of paying $890 a month, I now pay only $350 a month for 32 months. I couldn't thank you enough Joe."         - Maria , TX

"What a great feeling it is not being loaded down with all the debt racked up during college. Practical Debt made it possible for me to get back on track and enjoy my life without debt."                                  - Harold T , IL

"Practical Debt Solutions, I just want to say, Thank you, Thank you, Thank you! My counselor is the best and I will recommend your service to anyone I speak with. Although I was apprehensive at first, you did what you said and got me out of debt!"                                                  - Susana G , TX