

If you are able to payoff your accounts through refinancing, an inheritance, etc., it is important that you contact us and allow us to assist you in the process. Our staff will ensure a smooth and accurate payoff of your accounts.
“Barb and I would like to thank you for helping us get out of debt. Thanks to all of you at Debt Free. We made it. It is such a great feeling to be able to hold your head high and have all of our bills paid. We really appreciate the way you worked with us and guided us through the whole thing. Thank you again.”
--Barb and Emil 2008
"I think one thing that has helped me tremendously is being able to deal with just one company (DFA) rather than trying to keep up with all of the creditors, especially because I had gotten so behind. DFA basically “took the heat” on my behalf, giving me a chance to recoup and do something constructive about the problem! My story is like many others I’ve heard…Dealing with all my creditors—to whom I did (do) indeed owe money—absolutely scared me, and I could not even be able to deal with incoming mail or phone calls on some days…That just compounded the problem, of course. I’m so, so grateful to be on the other side of all that, personally stronger, steadily paying down the debt—AND to have learned very valuable lessons about spending, credit, saving, etc."
- Nancy 2008
“I just want to thank you for helping me pay off these credit cards. Your company has been such a great help for me. Now I don’t have to stress on this any longer. I am looking into buying my first home here within the next six months and I could not have done it without your help. Again I’m thanking you for everything you have done for me so now I am DEBT FREE.”
-Deia, 2008
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CLICK HERE for the special edition holiday newsletter. Included in this edition, you will find:
• Traveling Smart This Holiday Season
• Holiday Dine on a Dime
...and much more!
Be sure to check back in January for more expert advice and information in the next newsletter!
CLICK HERE for the Third Quarter 2008 newsletter where you will find "tips of the trade" from financial professionals. Included in this edition, you will find:
• Back to School on a Budget
• More Dinner for Your Dollar
• New Student Loan Provisions
...and much more!

Debt-Free America is a 501(c)(3) non-profit, community service organization offering confidential and professional credit counseling, debt management programs and financial literacy education to consumers nationwide. Debt-Free America is dedicated to providing FREE counseling and educational services to help financially distressed families and individuals effectively manage their personal finances. The Board members and operations staff have a long-term commitment to helping anyone in debt crisis, and even those not in a debt crisis.
Click here for answers the Financial Literacy Quiz (found on page 3) in the August 2007newsletter Education Update.
Debt-Free America is dedicated to providing FREE counseling and educational services to help financially distressed individuals and families effectively manage their personal finances. This site will provide you with many of the tools we use to help our clients become fiscally fit. Click here for tips about our site.

Our staff keeps current with changes and trends within the industry through a variety of sources. Please see this month’s articles of interest.
Frequently ask questions about debt, credit and personal money management

Financial literacy is fast becoming a topic not just for investors and market analysts, but among educators, lawmakers and parents who know teaching money management skills to young people is a serious necessity.
And with millions of Americans struggling to manage and recover from their own debt crisis, the question of where the next generation will learn the skills to avoid making the same mistakes, afford schooling, become homeowners and save for the future is booming.