Minimum monthly payments are a phrase that millions of Americans are familiar with these days. Millions of these same Americans are struggling with their debts yet they will continue to keep making minimum payments, not knowing that they will be paying off interest for the rest of their lives! If you are only meeting your minimum monthly payments, you are paying almost entirely interest charges, not paying down your debts.

This means that if you owe $20,000 today, it will cost you as much as $30,000 to $50,000 over the next 10-50 years (or more) before you finally become debt free! Those minimum monthly payments suddenly became a lifetime monthly commitment!

If you are currently making minimum monthly payments and getting yourself out of debt in a reasonable time frame is causing unneeded stress levels in your everyday life, RFS’s Responsible Debt Solutions Plan finds the right program to reduce your debts, avoid bankruptcy, and help you establish a new way of living that will take you from Debt2Prosperity!

RFS’s Responsible Debt Solutions Plan finds the right solution for you by tailoring a plan to your specific situation. Then we can typically settle your debts over the next 2-3 years, at potentially a 40-60% discount to what you owe.*

* Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment.