Are you having trouble with your bills? This site is intended to people falling behind on monthly bills that need help with reducing payments on personal loans, credit cards, utility bills and medical bills. It offers help to consolidate your debt into one monthly payment with debt elimination, lower credit card interest payments and more. 123bedebtfree.com works with non-profit credit agencies to provide you the bests interest rates as possible. What you have to do is to fill in a form and submit it. Once you have submitted the form, your information will be sent to debt specialists.. One or more participating debt service providers will contact you by telephone. Your information may also be sent to other service providers. The site does not provide financial advice; it only connects consumers with companies that provide debt or credit-related services.