If you are in debt or have been in debt you must have heard that there are different debt relief options that can help you pay off your debts. Some of these are debt consolidation, debt settlement or debt management. You can either try to do this of your own, or else you can also take the help of a debt relief company. Irrespective of the debt relief option or the way you are going to try and pay off your debts, you may need some real, instant and first hand help. So, there are many websites that offer you real and first hand help with debt problems. Debt Consolidation Care Community is one such website that provides help to millions of people.

How it helps people in debt

The Debt Consolidation Care Community is one of those communities that provide debt help without you having to pay any fees for registering with them. There are various parts in the community that provides different type and levels of help to the people in debt. If you visit the Debt Consolidation Care Community, you will be able to see the:

1. Home page – The home page of Debt Consolidation Care Community or Debtcc contains the details of various debt pay off options that can help you become debt free. These different options can be the interest rate arbitration, debt settlement, debt consolidation and details, debt management, bankruptcy, and then how the community provides help to people. The home page in addition contains small details of articles that have been included in the community for further help of the debt ridden people. Yet another part of Debtcc home page is latest discussions on debt.

2. Ask experts – Then there is the Ask experts section in the Debt Consolidation Care Community. This provides you the option to ask for different solutions from the community experts with respect to your debt problems.

3. Answers – Another more of a new addition to the website is the Answers section. Under the Answers part, you will be able to have the option to directly make the queries so as to get quality answers. Unlike what happens in the forums, the Answers section gives importance mainly to direct answers with comparison to the extensive discussions on debt problems. You can vote up or down an answer if you like or dislike it.

4. Calculators – Under the calculators section, you can have the different debt calculators. The calculator section of Debtcc contains various calculators like the calculator to choose amongst different debt consolidation options, the debt settlement calculator, the debt consolidation calculator, the credit card payment calculator, the debt reduction calculator, the APR or the Annual Percentage Rate calculator. These calculators provide you help to calculate debt payments after consolidating or settling your debts and so on.

5. DIY – DIY or the “Do it Yourself” section is the one that contains the details of handling the debts of your own. This section has various subsections like the “Sample Letters” which has different credit and debt letters for negotiations, a list of USA companies offering help with debt, and list of some important creditors. These contain the mailing guidelines for sending letters to concerned creditors and the debt collectors.

There’s the articles section containing articles on how to manage and pay off debts. The different topics on which there are articles are debt settlement and consolidation; debt management and debt negotiation; loans, mortgage and cash advance; credit card and credit counseling; debt counseling reduction etc.

DIY section also has a Glossary on debt and credit related terms and the Ask Gerri subsection. Here you can ask different debt related questions to personal finance expert, Gerri Detweiler.

6. Forums – The most part section of Debtcc is Forums. It has different kinds of forums and sections on Debt Management and Debt consolidation, Other financial topics, Stories from the community, Miscellaneous – Hangout Forums and the Archive. These again have subsections. In the forums, you can ask questions to the community experts and different other members. Guests too can make their post there. However, if you are a registered member, you will get points and thus earn dollars by sampling posting in forums.

7. Wiki – There’s also Wiki which allows to can post articles. This works like an article hub where not only you but community experts too can post their articles.

So, Debtcc has an excellent setup to help you in debt and that too without you having to pay any extra charges for the help.