Miami, FL -- (SBWIRE) -- 09/07/2010 -- With more and more Americans facing dwindling cash reserves due to high unemployment numbers, cash strapped Americans are falling behind in record proportions from debt. The credit card industry is becoming more aggressive with recovery tactics by utilizing harassing phone calls, and even suing debtors through the court system and collecting wage garnishments.

That is where HelpAmericaUsa.com steps in to help families deal with the crunch of lost income and rising unpaid debts. When facing stressors on all sides, they help alleviate debt through client counseling and negotiating debt settlements on their client’s behalf. Most people who fall behind on debt find that their interest rates skyrocket and they can no longer afford to make the payments.

At HelpAmericaUsa.com, each individual client will be assigned a counselor that contacts every creditor that you owe and works to stop burdensome phone calls, and also inform creditors of your intent on settling your obligation to them. When creditor agrees to take an amount less than what is owed then it is settled. The debtor makes one small monthly payment to a trust account that is set up for them. Over a certain time period agreed upon first, those debts will be settled and reported to the credit bureaus as settled for less than owed.

As the number of people in debt rises, so is this type of service popular. Thousands of people have benefited from debt settlement and it’s been known to give people a new lease on life. One customer, Michael Chang, who saved over $36,000 dollars said, “ They gave us honesty and hope from the beginning…our kids have developed smiles again…”

HelpAmericaUsa.com offers free consultation to persons struggling with debt.

For more information go to http://www.helpamericausa.com or to talk with someone live please call 866-745-1010