What is Consumer debt relief?
Emma Miller
Updated on January 21, 2026
Debt relief plans may include consolidating debt into one affordable monthly payment that is then disbursed on your behalf to your creditors. A debt relief plan can save you years in interest payments and payoff time.
How does consumer debt aid work?
A debt settlement company negotiates with your creditors and will offer them a lump sum of money to eliminate your debt. This amount of money is often lower than your total debt. The debt settlement company will then pay your creditors. Some credit counselling agencies may also offer this service.
Who qualifies for debt relief?
How to qualify: National Debt Relief works with consumers who have at least $7,500 and up to $100,000 in unsecured debt from credit cards, personal loans and lines of credit, medical bills, business debts and private student loan debts.
Is the Consumer Assistance Center a debt settlement company?
Consumer Assistance Center (CAC) is a consumer advocacy group specializing in protecting the rights of consumers from creditor’s aggressive and sometimes unlawful collection efforts. Is CAC a debt settlement company? No. CAC does not negotiate, settle or in anyway work with your creditors to resolve debts.
Where to get help when you’re in debt?
Speak to someone Call the National Debt Helpline on 1800 007 007 for free and confidential advice from professional financial counsellors. The helpline is open from 9:30 am to 4:30 pm, Monday to Friday.
What is the purpose of the Consumer Assistance Center?
Consumer Assistance Center (CAC) is a consumer advocacy group specializing in protecting the rights of consumers from creditor’s aggressive and sometimes unlawful collection efforts.
What kind of debt is not considered a consumer debt?
Taxes, including income taxes, are generally not consumer debts. Most courts consider taxes to be non-consumer debt. Although this sounds odd, it’s because no one voluntarily “incurs” tax debt for personal, family, or household purposes. Student loans. Some courts count these as consumer and some not.
