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However, each program works indirectly and affects only a small well-defined group – if at all.The Credit Card Debt Forgiveness (Relief) Act of 2010 is a work of fiction.You will not find any citation to proposed legislation, drafts of bills, or any acts passed by both houses of Congress, and signed into law by the president.The government does not sponsor credit card debt forgiveness due to disability.Do not place your trust in any online resource claiming that this law will help you eliminate your obligations – especially when they charge a fee.We cannot find a legitimate information source referencing this regulation.Source The government does not approve private debt consolidation programs or companies.However, the Department of Justice publishes a free state-by-state listing of approved credit counseling agencies.

However, the free money does trickle down to local programs that might help you lower certain living expenses.

No agency or department issues debt consolidation loans directly to individuals.

Plus, even if they did, borrowing money only restructures your obligation.

As before, several agencies regulate the activities of private companies that provide settlement services. The government does not support hardship grants for debt relief directly to individuals.

Grants represent money that you do not have to pay back.

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