Debt Relief - How To Become Debt Free!
If you are facing financial trouble with the overwhelming obligations of multiple credit cards, personal loans, car loans, under water home loans or steep medical bills there are debt relief programs that can help you - immediately! There are a variety of relief programs that have been designed to help you get a second chance. Whether credit consolidation, settlement or debt management options will best help depends on your unique situation, but you can find out today which option will provide the fastest relief with a no-obligation free counseling and debt analysis consultation.
Debt Relief Loans:
1. Consolidation Programs:
By consolidating your bills you can reduce your interest rates and create a single easy to manage credit line with better terms and lower monthly costs. Our suggested companies offer top industry service to negotiate with your lenders and achieve:
- Reduced Interest Rates
- Lower Monthly Bills
- Stopping of Credit Collection Phone Call Harassment
- Single Monthly Payment
This option is ideal if you have multiple unsecured credit cards with high interest bills each month. By seeking help using debt consolidation loans you can dramatically reduce the interest you pay from month to month and begin paying down your balances, typically to become debt free within 12 months after achieving initial relief.
2. Debt Settlement:
The settlement option is similar to the consolidation program mentioned above, but differs in that the company additionally negotiates on your behave to reduce the outstanding balances of what you owe by as much as 70%. This is an instant provider of credit card debt relief that can return monthly money to your pocket. Through settlement you can avoid bankruptcy, lawsuits, wage garnishments and get a second chance to set your finances aright moving into the future.
3. Debt Management:
The management option involves using an accredited and trusted credit counseling agency to work with you to create a custom personal finance plan and budget that restructures your money matters putting you back in control. Our suggested agencies will often negotiate on your behalf with your creditors in order to reduce your interest payments and renegotiate the terms of your obligations achieving lower monthly paymens, lower interest rates, and waived late fee charges.
4. Personal Re-Payment Plan:
This option involves foregoing the help of professional credit services and instead putting together your own debt management plan. To properly achieve your goal, you will want to soberly assess your finances, listing all of your debts, expenses and obligations and then create a strict budget to reduce them from month to month in a disciplined and committed manner. Through a personal plan you can avoid the fees the professional services will charge.
If you have diligently pursued the previously mentioned debt relief solutions and were unable to get the help you need then filing bankruptcy might just be your last hope. Bankruptcy has devastating consequences for your credit history takes many years to recover from, so it is best to avoid bankruptcy if at all possible. Please pursue all available options and our suggested debt relief programs before you take such a drastic step.
Debt relief is is possible even if you have a lot of debt. The key is to first make the commitment to take action and do what it takes to tackle your finances head on. If you can manage the situation on your own, more power to you, but if not, use the professional help that is available to help you consolidate or settle your debts and get the relief you deserve today!