There are a number of different avenues individuals go down in their search for a debt free life. Debt Free, LLC was formed to help its clients pay smarter and create a roadmap out of debt. It is not a debt consolidation, debt settlement / negotiation, or consumer credit counseling company. Apart from debt consolidation, which usually involves simply refinancing your home to payoff credit card debt, each of these avenues listed above are worst-case scenarios and are unfortunately fraught with unscrupulous firms looking to take advantage of the debt burdened consumer.

At the end of the day, if you are in debt and are having trouble, any option is generally better than bankruptcy. Although each of these options may offer a "quick-fix" get-out-of-debt-free solution, there are major long-term negative effects to these avenues, which need to be fully considered.