Debt Relief

Debt can mount up too high for any number of reasons.

You may simply be facing increased cost of living, and what was a manageable debt may now be a burden.

Debt-Relief-Just-Ahead-GreenPerhaps you have been running up debt on your credit cards, so much so that you are having trouble making the minimum payment. Most consumers fail to realize that without help on this front, they can ultimately pay more than 300% of what is actually owed on the credit cards. And it can take years to pay off those credit card balances! Of course, that assumes that you stop spending on the cards: If you keep using them, the hole just gets deeper.

Have you borrowed too much, for your car, your house, for other things? Not servicing your debts can be very costly. You will accumulate late charges and interest.

But, whatever the reasons that you have trouble with debt, not paying it could mean:

  • Garnishment of wages
  • Liens on you or your family
  • Legal Judgments

You will ruin your credit for life, and you will face endless legal hassles.

debt-reliefWe offer you a chance to find a solution to get your debt under control. A debt repayment or debt management plan can be developed for you. This is a creditor-approved arrangement that allows you to repay your unsecured debts at reduced interest rates. We have the experience and the know-how to negotiate with creditors to reduce interest rates, eliminate late fees or other penalties. In turn, you will be expected to make a regular monthly payment instead of writing several checks to various creditors each month. Your payments are then used to pay your creditors according to a payment schedule that we will have developed in consultation with you and those to whom you owe money.

Another option is consolidating your debts into one manageable account. The main purpose of this is to eliminate the higher interest rate debts, arrive at lower monthly payments and allow you to concentrate on one payment alone. It does not, however, lower your total balance. What you will be doing is to move all of the debt into a single account which provides you with only one debt to pay.

It may also be possible to settle your debts. This is a more complex practice, but it may be possible to negotiate if your creditors are willing. It basically involves a debt relief company negotiating with the creditors on your behalf. The goal is to allow them to agree to a settlement wherein you will pay for a portion of the debt (ideally this should be a sizable amount but not equal to the total balance) and the rest will be forgiven.

Our services are performance-based. That means that we are not paid until your solution is found and made to work.

debt-free-life_dcYou can trust us to find the right solution for you. We are not affiliated with any financial services firm. We are accredited by the Better Business Bureau, and our work is Federal Trade Commission compliant. This means that we work to help you, and only when the right solution for you is found, do we take our fees. We know every person we help has different circumstances, so we develop unique plans and solutions to fit each debt situation.

Remember, we will never push you into a debt relief solution that doesn’t fit exactly what your unique situation requires. We get to know you so that we can give you the right advice from the get-go. There are a variety of solutions available: Some involve early payment of certain debts with extended payment for others. Some involve longer lifetimes for debt. Others involve negotiating a reduced interest rate, which is in the creditor’s interest if it means full repayment. Because we know this business, we know how to work for you.

Our programs are available to certain consumers who fall under criteria set forth by state and federal laws. Being that this service is performance based fees are earned as debts are settled. Choosing a debt resolution company is a serious decision. Always research your options and the credentials of potential service providers.