“I thought bankruptcy was my only option. Now I know better.” –

You want to manage your debt. What choices do you have?

• Paying The Minimum On Your Credit Cards
• Debt Consolidation Loans
• Credit Counseling
• Bankruptcy
• Debt Negotiation

Paying The Minimum On Your Credit Cards
Paying only your monthly minimum payments is by far the slowest way to eliminate your credit card debt. It could take decades before your debt is completely paid off. Many people never pay off their debt. Even on a low interest credit card, much of your minimum payment could be going towards monthly interest charges, so you are not making a significant dent on what you actually owe. Paying the minimum does decrease your balance over time, but it will cost you much more money and much more time than our debt negotiation plans.

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Debt Consolidation Loans
Consolidation loans involve borrowing money to get out of debt. A new loan is required to pay off the full amount of your existing accounts. You will pay back the new loan plus interest over a fixed period of time. People often choose this option to secure a lower overall interest rate and one convenient monthly payment. However, the appeal of a slightly lower interest rate and a reduced single monthly payment can result in taking on a loan that requires a lengthy period of time to payoff. This ultimately means you will pay considerable finance charges over the full course of the consolidation loan. Furthermore, some types of consolidation loans can involve the use of collateral, such as a home, to secure the loan. For many people this is simply not an option or can represent yet another financial risk down the road.

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Credit Counseling
Credit counseling services negotiate with the credit card companies in an effort to reduce your interest rates and minimum monthly payments. In order to participate in such programs, you generally must close your credit card accounts and pay back the full amount plus interest. This type of debt repayment can typically take 4 to 7 years to completely pay off your creditors. Your new minimum monthly payment may not be much lower and could be even higher than your original minimum payment due to the structure of your plan. This obviously won't benefit you or your financial situation if you are already burdened with monthly payments that you cannot afford. You may even find that you can't get your interest rate significantly lowered from your current credit card rates, or one or more of your credit card companies may choose not to participate in this type of program.

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Bankruptcy
Bankruptcy is the most severe solution and is universally considered a last resort. It remains on your credit report anywhere from 7 to 10 years and it is considered public record. This means it could be harder for you to get a loan, mortgage, and even a job in the future. Banks and potential employers can and do check your credit report before lending you money or offering employment. Ultimately, bankruptcy is a personal decision that should be weighed heavily against other options and is best explored with the assistance of an attorney. In additional to any legal costs associated with consulting an attorney, bankruptcy can cost significantly more in legal fees to proceed with the process.

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Debt Negotiation
Debt negotiation reduces the amount of money you owe on unsecured debts by renegotiating your balances and customizing a plan to get your accounts settled in 12 to 48 months. The key advantages of this program are an aggressive reduction in the amount you actually owe, a significantly lower monthly payment and getting debt free in the shortest amount of time. We tailor your plan to fit your needs and budget, allowing you to make one affordable payment that's easy to track. Our goal is to get you out of debt and keep you that way. Our professional debt negotiation specialists leverage our relationships with creditors and negotiate the best terms for you, based on what you owe and what you can afford on a monthly basis. We resolve any conflicts with you and your creditors and get you the best financial settlement. Our specialists can explain all the options for debt management and why debt negotiation will probably be the best option for you.

Benefits of Debt Negotiation

• You won't have the embarrassment or black mark on your credit record from a bankruptcy or be stuck with long term debt consolidation loans
• You can reduce many kinds of debt including personal, business and medical debt
• If accepted into the program, you will save thousands of dollars
• It's the best solution to resolve and pay off unsecured debt
• Annoying collection calls will be reduced
• We will review your current financial situation to custom-tailor a plan for you

Don't Wait—Call Us Today!

• We will give you an assessment of your situation over the phone for FREE
• We will tell you what we think the best plan of action is for you
• We may be able to lower your debt by 50%-60%*
• We will tell you how to handle creditor calls and potentially stop the harassing phone calls
• We will always provide you with top-notch customer service that's friendly and helpful

Qualifying For Debt Negotiation Is Easy, If You:

• Have accumulated credit card or unsecured debt of $10,000 or more
• Are severely behind and/or delinquent on your payments
• Are having a financial hardship, such as overwhelming payments or loss of your employment
• Can't make your minimum payments

GET STARTED NOW & BE ON THE ROAD TO A DEBT-FREE FUTURE!

Call us at 1.888.315.2584. Our debt negotiation professionals are ready to take your call and give you a FREE review of your financial situation. We will find a solution for you that can fit your monthly budget and will answer any questions you may have.

We respect your privacy. All of your personal information is always kept confidential.

*Percentage is an estimate of typical savings. This amount varies from client to client and does not cover applicable service fees. We cannot guarantee a creditor will accept any specific settlement. Individual results may vary.

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