6 Ways To (Legally) Escape Debt You’ve Never Heard Of

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If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest payments.

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to a whopping 36%!

But there are five (legal) ways to escape it…

1. Ask This Website to Help Pay Off Your Credit Cards

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

2. Pay Off Your Debt by Playing Bingo

Wouldn’t it be nice to to make an extra credit card payment this week?

Get this — there’s a free app called Bingo Cash that pays you up to $80 when you win bingo.

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).To get started, just download the free app and start playing your first game immediately.

3. Cancel Your Car Insurance

Did you know you can save some serious money just by switching car insurance companies?

Its true — rates are at historic lows, and you could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance.

4. Add $225 to Your Wallet Just for Watching the News

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short news clips to choose from every day, then ask you a few questions about them.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

It takes about one minute to sign up, and start getting paid to watch the news.

5. See If Your Credit Card Company Made a Mistake

Did you know that one out of five credit reports has an error on it?

That’s right. Your credit card company could be ripping you off by reporting the wrong balance or payment history.

Thankfully, a website called Credit Sesame will help you detect any errors — for free. If you find any, it will even help you dispute them with your creditors.

Want to check for yourself? It only takes about 90 seconds to get your free credit report and fix any errors your credit card company is making.

6. Don’t Pay Your Full Credit Card Bill

What if you could just… get rid of some of your debt? 

A company called Freedom Debt Relief can help you do just that. They’ll talk to your lenders directly to convince them to reduce a big chunk of your debt.

They’ll negotiate a settlement with your creditor and if you approve the offer they come back with, you’ll start paying it off. But you don’t owe anything unless they negotiate a settlement and you make your first payment toward that settlement.

They’ve already served over 800,000 people and negotiated more than $15 billion in debts. 

It’s free to see just how much of your debt you can get rid of.