The time it may take you to get out of debt varies widely and depends on several factors, including the amount of debt, your income, expenses, and the chosen debt repayment strategy. Some of the more common approaches are:

1. Debt Snowball or Debt Avalanche: With these methods, you focus on paying off one debt at a time, either starting with the smallest balance (Snowball) or the one with the highest interest rate (Avalanche). The time it takes will depend on the number and size of debts.
2. Debt Consultation: Upon reviewing your debt scenario via our debt consultation program, we will discover the time it will take to become debt-free based your ability to make consistent payments.
3. Bankruptcy: This is a legal process that can discharge certain types of debt. The time it takes to emerge from bankruptcy varies depending on the type (Chapter 7 or Chapter 13) and the complexity of the case.
4. Budgeting and Increased Income: Improving financial habits, budgeting effectively, and increasing income can accelerate the debt repayment process.

It’s crucial for us together to assess your unique financial situation, create a realistic budget, and choose a strategy that aligns with your goals.